Did a good deal turn into an overpriced auto insurance policy? Don't feel bad because many St. Louis drivers feel the same as you.

Insurance rates BMW 535i in St. LouisA recent auto insurance study discovered that a large majority of drivers have bought auto insurance from the same company for at least the last four years, and nearly 40% of drivers have never shopped around. St. Louis drivers could cut their rates by nearly $320 a year, but they just assume it's a time-consuming process to compare rates online.

Many insurance companies compete for your business, so it can be very hard to choose a insurer and get the definite lowest cost out there.

You should make it a habit to compare prices once or twice a year because insurance prices change regularly. Just because you had the lowest rates on BMW 535i insurance in St. Louis a year ago you may be paying too much now. Block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to properly buy coverages and cut your premium.

If you have auto insurance now, you will most likely be able to buy cheaper auto insurance using the following tips. Locating the most cost-effective auto insurance policy in St. Louis is really quite simple as long as you have a good starting point. But Missouri car owners must learn how companies calculate their prices.

Cheapest auto insurance in St. Louis, MO

The auto insurance companies shown below are our best choices to provide price comparisons in Missouri. If the list has multiple companies, it's highly recommended you visit two to three different companies to find the cheapest auto insurance rates.

BMW 535i Insurance Rates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
535I 4-Dr Sedan $172 $386 $322 $20 $96 $996 $83
535I xDrive Station Wagon $220 $442 $250 $14 $74 $1,000 $83
535I GT 4-Dr Sedan $200 $420 $280 $16 $84 $1,000 $83
535I xDrive 4-Dr Sedan $196 $356 $250 $14 $74 $890 $74
Get Your Own Custom Quote Go

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in garaging location in St. Louis which can decrease or increase rates considerably.

Male drivers compared to female drivers

The diagram below illustrates the comparison of BMW 535i car insurance rates for male and female drivers. The costs are based on no claims or violations, full coverage, $500 deductibles, marital status is single, and no discounts are factored in.

Take policy discounts and save on BMW 535i insurance in St. Louis

Insuring your fleet can be pricey, but there's a good chance there are discounts to help bring down the price. Some trigger automatically at the time of quoting, but some discounts are required to be asked about in order for you to get them.Discount auto insurance

We need to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like you could get a free auto insurance policy, it's just not the way it works.

A list of companies and a summarized list of policyholder discounts include:

If you want affordable BMW 535i insurance quotes, ask each company the best way to save money. Depending on the company, some discounts might not be offered on policies in St. Louis. To find insurance companies that provide some of the discounts listed above in St. Louis, click here.

What Affects BMW 535i Insurance Prices?

Many factors are considered when you get your auto insurance bill. Some are obvious such as your driving history, but other factors are not quite as obvious like where you live or how financially stable you are. Part of the auto insurance buying process is learning some of the elements that go into determining auto insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that could result in much lower annual insurance costs.

Urban areas may pay more - Choosing to live in a rural area is a positive aspect if you are looking for the lowest rates. Fewer drivers on the road translates into fewer accidents and a lower car theft rate. City drivers have congested traffic and longer commutes to work. Higher commute times means higher likelihood of an accident.

The more you drive the more you pay - Driving a lot of miles every year the more you'll pay to insure your vehicle. The majority of insurers rate vehicles partially by how you use the vehicle. Vehicles that have low annual miles get more affordable rates than those that get driven frequently. An improperly rated 535i can cost quite a bit. It's always a good idea to double check that your policy is showing the right rating data.

What type of car, truck or SUV do you drive? - The performance level of the vehicle you drive makes a huge difference in determining your rates. The cheapest rates will normally be found when insuring smaller low performance passenger models, but your final cost has many other factors. Since the BMW 535i falls in the luxury sedan class, rates will be more compared to average rates in St. Louis.

Marriage brings a discount - Getting married can get you a discount on your auto insurance policy. Having a spouse may mean you are more stable financially and statistics show married drivers tend to have fewer serious accidents.

More stress means more cost - Did you know that where you work can have an impact on rates? Occupations such as fire fighters, social workers and financial analysts tend to pay higher rates than average attributed to high stress and long work hours. On the other hand, careers such as professors, athletes and the unemployed receive lower rates.

Tickets drive up costs - Being a careful driver has a big impact on rates. Good drivers tend to pay less for car insurance compared to drivers with tickets. Just one speeding ticket could increase your next policy renewal substantially. Drivers with dangerous violations like DUI or willful reckless driving may need to file a SR-22 with their state DMV in order to drive a vehicle legally.

Lower rates come with age - Older people tend to be more responsible, cause fewer claims and accidents, and usually have better credit.Beginning drivers are known to be less responsible behind the wheel therefore auto insurance rates are much higher.

Continuous coverage saves money - Going without insurance can be a guaranteed way to increase your rates. In addition to paying higher rates, getting caught without coverage may earn you a license revocation or jail time. You will then be forced to prove you have insurance by filing a SR-22 with the Missouri motor vehicle department.

When in doubt talk to an agent

When quoting and comparing proper insurance coverage, there really isn't a "best" method to buy coverage. Your needs are not the same as everyone else's.Safe vehicles cost less to insure

For instance, these questions might point out whether or not you could use an agent's help.

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Local St. Louis auto insurance agents

Some people still prefer to sit down and talk to an agent and that is OK! The biggest benefit of comparing rates online is the fact that you can find the best rates and still have an agent to talk to. And buying from neighborhood agents is definitely important in St. Louis.

Find insurance agent in St. LouisBy using this form (opens in new window), the quote information gets sent to participating agents in St. Louis who will give you quotes for your insurance coverage. There is no need to contact an agency due to the fact that quote results will go to you directly. You can get cheaper insurance rates without requiring a lot of work. If you need to get a comparison quote for a specific company, don't hesitate to search and find their rate quote page and complete a quote there.

When searching for a local insurance agency, it helps to know the two different agency structures and how they are slightly different. St. Louis agents are considered either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Independent agencies are normally appointed by many insurers and that enables them to quote your coverage through lots of different companies depending on which coverage is best. If they find a lower price, the agent simply finds a different carrier and you don't have to do anything. If you need lower rates, you will want to compare prices from multiple independent agents to get the most accurate price comparison.

Featured below is a partial list of independent insurance agents in St. Louis that can possibly get you price quotes.


3537 S Kingshighway Blvd - St. Louis, MO 63139 - (314) 832-8010 - View Map


8050 Watson Rd #190 - St. Louis, MO 63119 - (314) 842-0960 - View Map


3611 Juniata St - St. Louis, MO 63116 - (314) 802-8841 - View Map

More St. Louis agents

Exclusive Agencies

Exclusive agents can only provide pricing for a single company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. Exclusive agencies are trained well on their products and sales techniques and that enables them to sell even at higher rates.

Below are St. Louis exclusive insurance agents who can help you get comparison quotes.


6440 Chippewa St - St. Louis, MO 63109 - (314) 352-4494 - View Map


4530 Lemay Ferry Rd - St. Louis, MO 63129 - (314) 487-2100 - View Map

Ralph Graves - State Farm Insurance Agent
10438 W Florissant - St. Louis, MO 63136 - (314) 388-0330 - View Map

More St. Louis agents

Choosing an insurance agent requires more thought than just the premium amount. Ask your prospective agent these questions:

Don't listen to company ads

Car insurance providers like State Farm and Allstate endlessly run ads on TV and radio. All the ads say the same thing that people will save if you change your car insurance coverage to their company. It sounds good, but how can they all charge lower premium rates? It's all in the numbers.

All companies have a preferred profile for a prospective insured that is profitable for them. For example, a profitable customer could be a female over age 40, carries high limits, and drives a safe vehicle. Any customer that hits that "sweet spot" will probably get the lowest rates and will probably save money with a new company.

Drivers who cannot meet these criteria will be charged higher premium rates which translates to business going elsewhere. If you listen to the ad wording, they say "drivers who switch" not "all people who quote" can save as much as they claim. That is how insurance companies can make those claims.

Each company has different criteria, so you should get St. Louis auto insurance quotes as often as possible. It is impossible to guess the company that will fit you best based on your risk profile.

Don't give up on affordable rates

We just presented quite a bit of information on how to reduce BMW 535i insurance auto insurance rates online in St. Louis. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even discover the best price on car insurance is with the smaller companies.

Consumers change insurance companies for a number of reasons such as high prices, high rates after DUI convictions, policy non-renewal and not issuing a premium refund. Regardless of your reason for switching companies, switching companies can be less work than you think.

There are still a few companies who may not have price quotes online and usually these regional carriers provide coverage only through independent agents. More affordable car insurance in St. Louis can be found online in addition to many St. Louis insurance agents, and you should be comparing both in order to have the best price selection to choose from.

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