How long has it been since you sat down and looked for more affordable BMW 535i insurance in Denver? Finding the cheapest insurance for a BMW 535i in Colorado can be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to find car insurance online and we’ll show you the proper way to price shop coverage for a BMW and obtain the lowest possible price.
Locating the best rates in Denver is much easier if you know where to start. If you are insured now or are looking for a new policy, take advantage of these tips to find the best rates and possibly find even better coverage. Shoppers just need to learn the quickest way to buy auto insurance from many different companies.
The quickest method we recommend to get policy rate comparisons for BMW 535i insurance in Denver is to know the fact most insurance companies pay for the opportunity to give you rate quotes. The one thing you need to do is spend a couple of minutes providing details such as whether your vehicle is owned or leased, your occupation, if your license is active, and distance driven. The rating information is automatically sent to multiple different insurance companies and they return cost estimate immediately.
To check BMW 535i insurance prices now, click here and enter your zip code.
The companies in the list below provide comparison quotes in Denver, CO. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 535I 4-Dr Sedan | $428 | $702 | $460 | $28 | $138 | $1,756 | $146 |
| 535I xDrive Station Wagon | $342 | $646 | $362 | $22 | $108 | $1,480 | $123 |
| 535I GT 4-Dr Sedan | $478 | $838 | $460 | $28 | $138 | $1,942 | $162 |
| 535I xDrive 4-Dr Sedan | $354 | $724 | $396 | $24 | $118 | $1,616 | $135 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in Denver location which can impact price quotes greatly.
Car insurance deductibles
The illustration below illustrates how your deductible choice and can increase or decrease BMW 535i premium costs for each age group. The premiums are based on a married male driver, comp and collision included, and no policy discounts are applied.
Cautious drivers save money
The information below shows how traffic citations and at-fault fender-benders increase BMW 535i auto insurance rates for different ages of insureds. The premiums are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.
Do I just need basic coverages?
When quoting and choosing a policy, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed.
For instance, these questions might point out if you might need professional guidance.
- Where can I get insurance after a DUI in Colorado?
- If I drive on a suspended license am I covered?
- Do they offer discounts for home and auto coverage?
- Is business property covered if stolen from my car?
- Can I insure my car for more than it’s worth?
- Are my tools covered if they get stolen from my vehicle?
- Do I need rental car coverage?
- I don’t drive much so do I pay less?
- Are rental cars covered under my policy?
- What is covered by UM/UIM coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
When to have guidance from a local insurance agent
Some consumers just want to get professional advice from a licensed agent and that is OK! Professional insurance agents can help you build your policy and help you file claims. The biggest benefit of comparing rates online is the fact that drivers can get cheaper auto insurance rates and still have a local agent.
After filling out this quick form, your information is submitted to companies in Denver who will gladly provide quotes and help you find cheaper coverage. You won’t need to drive around because quoted prices will be sent directly to your email. If you wish to compare rates for a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Finding the right provider requires you to look at more than just the quoted price. Here are some questions to ask:
- Are they paid to recommend certain coverages?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Who are their largest clients?
- How are claims handled?
- Does the agent recommend any additional coverage?
Exclusive and independent Denver auto insurance agents
If you need to find an insurance agent, there are two types of agencies and how they can write your policy. Agents are classified as either exclusive or independent. Both can sell car insurance policies, but we need to point out the subtle differences because it can influence the selection process.
Exclusive Car Insurance Agents
These agents can only write with one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare other company’s rates so it’s a take it or leave it situation. They are well trained on their company’s products which helps them sell insurance even at higher premiums. Drivers often purchase coverage from exclusives primarily because of the prominence of the brand rather than low price.
Shown below are Denver exclusive insurance agencies that are able to give rate quotes.
- Farmers Insurance – Greg Delgado
2839 Wyandot St – Denver, CO 80211 – (720) 588-4111 – View Map - Allstate Insurance: K.D. Sakraida
1932 W 33rd Ave – Denver, CO 80211 – (303) 433-2094 – View Map - Hiram Licea – State Farm Insurance Agent
3600 Morrison Rd – Denver, CO 80219 – (303) 935-7475 – View Map
Independent Car Insurance Agents
Agents in the independent channel can quote rates with many companies so they can write business with multiple insurance companies and find the cheapest rate. If premiums increase, your agent can switch companies which requires no work on your part. If you are comparing rate quotes, we recommend you compare prices from multiple independent agents to get the best comparison. Most independent agents also contract with less well-known companies that may have much lower rates than larger companies.
Below are independent insurance agents in Denver that can give you comparison quotes.
- Henry Ham Agency, Inc
645 E Evans Ave – Denver, CO 80210 – (303) 744-1341 – View Map - Bonnie Brae Insurance
179 S Colorado Blvd – Denver, CO 80246 – (303) 321-9300 – View Map - Westwood Insurance
57 W Alameda Ave – Denver, CO 80223 – (303) 722-2841 – View Map