Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jan 28, 2018

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Shopping for cheap insurance coverage on the internet can appear to be rather difficult for vehicle owners not familiar with shopping for insurance over the internet. With such a big selection of agents and online companies, how can you possibly compare every company in order to find the lowest price available?

Consumers need to compare prices every six months because insurance coverage prices change frequently. If you had the best deal for Z4 M coverage a year ago other companies may now be cheaper. There is a lot of wrong information about insurance coverage on the internet, but you can learn a lot of great tips on how to slash your insurance coverage rates.

Buying car insurance is not rocket science. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Although consumers need to have an understanding of how insurance companies compete online and use this information to your advantage.

Discounts for affordable insurance rates

Insuring your fleet can be pricey, but you might find some hidden discounts that could help you make your next renewal payment. Many discounts should be triggered at the time of quoting, but a few need to be asked about prior to getting the savings.

  • Club Memberships – Joining qualifying employment or professional organizations is a good way to get lower rates when getting a auto insurance quote.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Z4 M coverage than drivers with accidents.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Multiple Cars – Buying coverage for more than one vehicle with the same company can reduce the rates for all insured vehicles.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
  • Discounts for Government Workers – Simply working for the federal government could provide a small rate reduction for Z4 M coverage depending on your insurance provider.
  • Defensive Driver Discounts – Taking a course that instructs on driving safety may get you a small discount if you qualify.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Paper-free Discount – Some larger companies give back up to $50 for buying your policy over the internet.
  • Low Miles Discount – Low mileage vehicles could earn lower insurancerates on the low mileage vehicles.

You should keep in mind that most discount credits are not given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will help lower the cost of your policy.

Larger insurance companies and their offered discounts are:

  • Mercury Insurance may include discounts for location of vehicle, anti-theft, annual mileage, professional/association, multi-policy, ease of repair, and accident-free.
  • Farmers Insurance offers discounts for bundle discounts, business and professional, mature driver, alternative fuel, and early shopping.
  • Farm Bureau policyholders can earn discounts including renewal discount, youthful driver, safe driver, 55 and retired, and multi-policy.
  • State Farm offers discounts including student away at school, good driver, Steer Clear safe driver discount, defensive driving training, accident-free, safe vehicle, and multiple autos.
  • Allstate offers premium reductions for new car, multi-policy, resident student, good student, and senior citizen.
  • GEICO may offer discounts for military active duty, five-year accident-free, emergency military deployment, seat belt use, membership and employees, anti-lock brakes, and air bags.

It’s a good idea to ask every company how you can save money. Depending on the company, some discounts might not be offered in every state. If you would like to choose from a list of companies with discount insurance rates, follow this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How to buy insurance online

There are multiple methods to shop for insurance, but one way is easier and takes less work. You could spend the better part of a day talking about coverages with agents in your area, or you can utilize online quoting to achieve your goal.

Most of the best insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and every company returns a competitive quote based on that data. This saves time by eliminating repetitive form submissions to each individual insurance company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to getting quotes like this is you are unable to specify the insurers you want to price. So if you prefer to pick specific providers to compare rates, we have a page of insurance companies in your area. Click to view list.

Compare rates however you want, just be sure you’re using exactly the same coverage information for every quote you compare. If your comparisons have different liability limits it will be next to impossible to find the best deal for your BMW Z4 M. Having just a slight variation in insurance coverages or limits could skew the results. Keep in mind that comparing more quotes provides better odds of finding the best offered rates. Some regional insurers cannot provide online quotes, so it’s important to also get rates from those companies as well.

You may need specialized insurance coverage

When choosing adequate coverage, there really is no “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining whether you would benefit from professional advice.

  • Is business equipment covered while in my vehicle?
  • Do I need higher collision deductibles?
  • Is my teen driver covered when they drive my company car?
  • What is no-fault insurance?
  • Does liability extend to a camper or trailer?
  • Am I missing any policy discounts?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Insurance coverage basics

Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your BMW Z4 M.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as rehabilitation expenses, hospital visits, pain medications and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible


Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like funeral expenses, legal defense fees, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hail damage, damage from flooding and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Save for a rainy day

Some companies may not provide online price quotes and most of the time these regional carriers sell through independent agents. Cheap 2007 BMW Z4 M insurance is available online and from local agencies, and you need to comparison shop both so you have a total pricing picture.

Drivers change insurance companies for a variety of reasons including policy cancellation, questionable increases in premium, delays in responding to claim requests and denial of a claim. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

We just covered some good ideas how you can reduce 2007 BMW Z4 M insurance rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting low cost auto insurance. Consumers could even find that the most savings is with some of the lesser-known companies.

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