BMW 128i Convertible Car Insurance Review
The BMW 128i Convertible is the sporty version of the BMW 128i Coupe model, and combines a performance-oriented car with luxurious exterior and interior features. Although not comparable in size to the 3-series models, the 1-series cars offer a fun, sporty ride and unparalleled performance. With a base sticker price of $36,900, many buyers may think about entering the luxury car market with this sporty model.
About the 2012 BMW 128i Convertible
The 2012 BMW 128i Convertible offers a 3.0-liter I-6 engine with optional supercharging. Available 230 horsepower and multi-point fuel injection promise plenty of pep. The convertible version of the 128i offers only six-speed manual transmission. The 2012 BMW 128i Convertible averages 19 miles per gallon in the city and 28 miles per gallon on the highway.
The 2012 BMW 128i Convertible features a two-door body style and comfortable front driver and passenger cabin. With all seats in place, the trunk space averages 8.0 cubic feet, rather small but not out of line for a sporty convertible. All BMW convertibles feature soft-top construction to allow more room in the trunk.
Inside the cabin, the 2012 BMW 128i convertible offers a stereo system with MP3, CD, and digital radio options and digital readouts for fuel consumption and miles traveled. Driver and passenger comfort are assured with dual-zone climate control. Cruise control, tire pressure indicator, and dusk-sensing headlights are all standard features, as well as remote door locks, power steering and windows, and voice-activated phone controls. Most controls are mounted on the steering wheel in order to allow supreme driver control and safety.
BMW’s standard warranty is one of the best in the business, including not only four years or 50,000 miles of drivetrain coverage, but also four years of free roadside assistance with unlimited mileage. BMW also include 12 years of warranty against rust and corrosion. Best of all, with BMW’s car care program, your first four years of oil changes, maintenance, and brake pad and rotors are all included free of charge. Early estimates show that repair costs for the 2012 BMW 128i convertible should average $1,197 for the first five years, which includes routine maintenance after the warranty has expired.
2012 BMW 128i Convertible Safety Review
According to J. D. Power and Associates, a national ranking firm, the reliability of the BMW 1-Series overall is average. The 2010 models were rated as 2.5 out of five stars for overall mechanical quality and powertrain quality, while the 2011 models rose to four out of five stars for overall mechanical quality and four stars out of five in powertrain mechanical quality.
There is no federal safety testing data available for the 2010-2012 models of the BMW 128i, but safety features are abundant and include dynamic stability control, traction control, crash sensors, and six front and side airbags.
How much is car insurance for a BMW 128i Convertible?
Car insurance costs for the 2012 BMW 128i convertible average $1,492 per year, slightly higher than the Coupe model which averages $1,435 per year. Comparable models are around the same price for insurance, such as the 2012 Audi A3 at $1,403 per year and the Volkswagen GTI at $1,428 per year. No matter which sporty convertible you choose, you can be assured that your insurance costs should be relatively stable across the spectrum.
You will need minimum liability coverage for your new car according to your state’s laws. Each state sets a minimum allowable amount for liability limits, but you may choose to raise your limits to protect your assets, especially if you live in a tort liability state. In these states, you are responsible for any damages over the amounts of your liability limits. This means that the higher you set your liability limits, the more you protect your personal assets. Many people choose to double the state minimums just to be on the safe side.
Drivers can also control car insurance costs by adjusting coverage options and deductible amounts. Raising your deductible can significantly reduce your car insurance premiums; in fact, doubling your deductible from $250 to $500 on collision can cut your premium in half in some cases. You can also control your insurance prices by choosing your optional coverage carefully; for example, you do not need towing coverage if your car is covered by BMW’s roadside assistance warranty.
Start a car insurance comparison search for BMW 128i Convertible car insurance rates by entering your ZIP code above. You will receive a variety of quotes from various car insurance companies, allowing you to compare car insurance prices and determine the best company for your business. Be sure to compare policies carefully and make sure that each company offers you the same amounts of coverage and options in the quotes you receive.