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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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: Oct 6, 2015

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Trying to find the cheapest car insurance rates for your BMW Z4? Searching for the cheapest insurance for a BMW Z4 can normally be a lot of work, but you can use these tips and make it easy. There is a better way to compare car insurance rates so we’re going to tell you the best way to price shop coverage for a BMW and get the lowest price from local insurance agents and online providers.

The BMW Z4 insurance price equation

Smart consumers have a good feel for some of the things that aid in calculating the level of your policy premiums. If you have some idea of what determines premiums, this enables you to make decisions that can earn you much lower annual insurance costs. Lots of factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are less obvious like where you live and annual miles driven.

  • Gender is a factor – Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. Men and women cause auto accidents at about the same rate, but the male of the species have accidents that have higher claims. They also get higher numbers of serious violations such as reckless driving.
  • Occupation reflects on premiums – Do you have a high-stress occupation? Occupations such as real estate brokersairline pilots and medical professionals generally pay higher average rates attributed to stressful work requirements and lots of time spent away from family. Conversely, occupations like professors, students and homemakers pay the least on Z4 coverage.
  • Experienced drivers pay less – Teen drivers are proven to be inattentive with other occupants in the car and because of this, their auto insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, cost insurance companies less in claims , and usually have better credit.
  • Adjust coverage deductibles and save – Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your BMW. Examples of some claims that would be covered would be running into the backend of another car, collision with an animal, or theft. The deductibles you choose define how much the insured will be required to pay if a claim is determined to be covered. The more money you have to pay, the less your company will charge you for insurance on Z4 coverage.

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

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Quote insurance online

Finding cheaper insurance quotes is a great way to save money. You just need to take the time comparing free insurance quotes from some recommended companies. You can get a good selection of rate quotes in several different ways.

  1. The fastest way to get quotes would be an industry-wide quote request form click to view form in new window. This quick form prevents you from having to do repetitive form entry to each individual insurance company. One form gets rate comparisons instantly. It’s definitely the quickest method.
  2. A harder way to find lower rates is going to the website for each individual company and repeat the quote process. For examples sake, let’s assume you want to view quotes from GEICO, Safeco and Farmers. To get each rate you have to go to each individual site to enter the same coverage data repeatedly, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended method to find lower rates is driving to all the different insurance agencies. Shopping for insurance online eliminates the middleman unless your situation requires the peace of mind of a local agency. Although you can comparison shop your insurance online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but double check that you are using the exact same coverages and limits for each price quote. If your comparisons have different data you will not be able to make a fair rate comparison.

Lower rates by qualifying for discounts

Car insurance companies don’t always advertise the complete list of policy discounts very well, so we break down a few of the more well known as well as some of the hidden credits that you can use to lower your rates.

  • Telematics Data Discounts – Drivers that enable data collection to track vehicle usage by using a telematics device in their vehicle like Allstate’s Drivewise might get better premium rates if they are good drivers.
  • Accident Forgiveness Coverage – Not necessarily a discount, but companies like Libery Mutual, GEICO and Allstate will let one accident slide without raising rates as long as you don’t have any claims for a certain period of time.
  • Resident Student – who are enrolled in higher education away from home and do not take a car to college could get you a discount.
  • Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Homeowners Pay Less – Just being a homeowner can help you save on insurance coverage since home ownership means you have a higher level of financial diligence.
  • Paperwork-free – Some insurance coverage companies provide a small discount simply for signing on the web.
  • Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% on Z4 coverage than their less cautious counterparts.
  • Professional Memberships – Participating in qualifying clubs or civic groups is a simple method to lower premiums on insurance coverage.
  • Life Insurance Discount – Insurance companies who offer life insurance give a break if you buy a life policy as well.
  • Driver Training Discounts – Taking part in a course that instructs on driving safety can save you 5% or more and make you a better driver.

One last thing about discounts, most credits do not apply the the whole policy. Most only apply to individual premiums such as comp or med pay. Despite the appearance that you can get free auto insurance, you won’t be that lucky.

Companies and some of the discounts are detailed below.

  • Farmers Insurance policyholders can earn discounts including alternative fuel, electronic funds transfer, good student, teen driver, pay in full, and distant student.
  • State Farm includes discounts for good driver, safe vehicle, multiple policy, student away at school, multiple autos, driver’s education, and passive restraint.
  • Liberty Mutual offers discounts including preferred payment discount, new vehicle discount, good student, newly retired, safety features, multi-policy, and teen driver discount.
  • MetLife offers discounts for accident-free, claim-free, good driver, multi-policy, and good student.
  • Progressive may include discounts for multi-vehicle, good student, multi-policy, homeowner, online signing, and continuous coverage.

Before purchasing a policy, check with all the companies to apply every possible discount. Savings may not apply in your area. To view providers that have a full spectrum of discounts, follow this link.

Insurance coverage is unique, just like you

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might help in determining if your situation could use an agent’s help.

  • Am I covered when using my vehicle for business?
  • Is my trailer covered?
  • What is the ISO rating for a 2009 BMW Z4?
  • Should I buy full coverage?
  • Is my 2009 BMW Z4 covered for flood damage?
  • Does insurance cover tools stolen from my truck?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

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

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Car insurance coverage breakdown

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for doctor visits, surgery and nursing services. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision – Collision coverage covers damage to your Z4 resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Liability – Liability coverage protects you from damage that occurs to a person or their property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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 limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, medical services, loss of income, pain and suffering and structural damage. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane and rock chips in glass. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

One last thing about your coverage

Cost effective 2009 BMW Z4 insurance is attainable on the web as well as from independent agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who don’t offer online rate quotes and these regional insurance providers sell through independent insurance agents.

People change insurance companies for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, not issuing a premium refund or policy cancellation. No matter why you want to switch, choosing a new insurance company is less work than it seems.

We just showed you a lot of information how to compare 2009 BMW Z4 insurance rates online. The key concept to understand is the more times you quote, the better likelihood of getting affordable insurance. You may even discover the biggest savings come from a lesser-known regional company.

Additional auto insurance information is available on the following sites: