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: Nov 16, 2018

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Looking for cheaper insurance coverage rates? Shoppers have lots of choices when shopping for affordable BMW Z4 M insurance. You can either waste hours calling around trying to get quotes or save time using the internet to compare rates.

There is a right way and a wrong way to shop for insurance coverage and we’ll show you the proper way to quote coverages on a BMW and locate the cheapest rates.

Take advantage of these discounts

The price of auto insurance can be rather high, but there could be available discounts that may help make it more affordable. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be specially asked for before you get the savings. If you are not receiving all the discounts you qualify for, you are throwing money away.

  • Early Signing – A few companies offer discounts for switching companies prior to your current policy expiration. Ten percent is about the average savings.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
  • Discount for Multiple Policies – If you have multiple policies and place coverage with the same company you could earn a discount of up to 20% off your total premium.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Theft Deterent Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance quote.
  • Responsible Driver Discounts – Accident-free drivers can save as much as half off their rates for Z4 M coverage compared to rates paid by drivers with frequent claims.
  • Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a discounted rate on car insurance if you buy auto and life insurance together.

It’s important to understand that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

A partial list of companies that may offer policyholders most of the discounts above include:

Before purchasing a policy, check with every company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area. To locate companies that offer multiple discounts, follow this link.

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

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How to get car insurance quotes

Finding a better price on car insurance can be relatively painless. You just have to take time comparing free insurance quotes from some recommended companies. It’s super easy and can be done by using one of the methods below.

Experts agree that the best way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do a different quote for each company. One form submission gets coverage cost estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.

A harder way to analyze rates is spending the time to visit the website for each individual company and get a separate price quote. For sake of this example, we’ll pretend you want to view quotes from USAA, Allstate and GEICO. To get rate quotes you would need to go to each individual site to input your insurance information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

Even if you have time, the least recommended method of comparing rate quotes is to spend time driving to different agent offices. Quoting online eliminates the middleman unless you prefer the trained advice that only a licensed agent can provide. Some companies do allow you to comparison shop online and get advice from an agent in your area.

Whichever method you choose, ensure you’re using exactly the same coverage limits for every company. If you enter unequal deductibles or liability limits you can’t possibly decipher which rate is best.

Special considerations

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions could help you determine whether you could use an agent’s help.

  • Why do I need rental car insurance?
  • I have a DUI can I still get coverage?
  • Should I carry comprehensive and collision coverage?
  • Do I need an umbrella policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does liability extend to a camper or trailer?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, hail damage, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision coverages – Collision coverage covers damage to your Z4 M caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, crashing into a building, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as doctor visits, nursing services, EMT expenses and funeral costs. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your BMW Z4 M.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

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

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The best insurance company isn’t always the cheapest

Insureds who switch companies do it for a variety of reasons including being labeled a high risk driver, denial of a claim, unfair underwriting practices and even high rates after DUI convictions. It doesn’t matter why you want to switch switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

Affordable 2008 BMW Z4 M insurance is available online and from local agencies, so you need to quote insurance with both to get a complete price analysis. There are still a few companies who do not offer rates over the internet and most of the time these small insurance companies provide coverage only through independent agencies.

You just learned some good ideas how to compare 2008 BMW Z4 M insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable insurance. Consumers may even find the lowest prices come from the smaller companies.

To learn more, feel free to browse the resources below: