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: Jul 5, 2018

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Looking for lower insurance rates for your BMW Z4? Do you get frustrated by the dozens of insurance choices available to you? Consumers have so many choices available that it can turn into a big hassle to compare prices.

Finding the best rates is not that difficult. If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. Nevertheless, vehicle owners do need to understand the way insurance companies price insurance differently because it can help you find the best coverage.

How much does insurance coverage cost?

When shopping for insurance coverage there are multiple ways to compare quotes from different insurance companies. The recommended way to compare rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

The fastest and easiest way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing boring form submissions for every insurance coverage company. One simple form compares rates from insurance coverage companies with the best prices. Just one form and you’re done.

A more difficult way to compare prices is spending the time to visit each individual company website to request a price quote. For instance, let’s say you want to compare Progressive, 21st Century and GEICO. You would have to spend time on each company’s site to enter your coverage information, which is why first method is reommended.

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

It doesn’t matter which method you choose, just make sure you use identical coverage data for each comparison quote. If each company quotes different deductibles it will be next to impossible to determine which company has the best rates. Even a minor difference in limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies will enable you to find more affordable rates.

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

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Tricks in insurance advertising

Insurance companies such as State Farm, GEICO and Progressive continually stream television, radio, and online ads. All the companies tend to make the same promise that drivers can save some big amount after switching to their company. How is it possible that every company can give you a better price? Here is how they do it.

Many companies look for specific characteristics for a prospective insured that is profitable for them. One example of this type of driver may be between the ages of 30 and 45, has a clear driving record, and has excellent credit. Any customer who meets those qualifications may get the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who fall outside these criteria will be charged more expensive rates and this results in business going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save that kind of money. This is how insurance companies can claim big savings. Because of the profiling, you really should compare as many free car insurance quotes as you can. Because you never know the company that will fit your personal profile best.

Take these six policy discounts and save

Companies don’t always list the complete list of policy discounts very well, so below is a list both well-publicized as well as some of the hidden savings tricks you should be using when you buy car insurance online.

  • Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
  • More Vehicles More Savings – Buying coverage for all your vehicles on one policy can reduce the rates for all insured vehicles.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a small discount on rates for Z4 coverage.
  • Distant Student – Older children who live away from home at college and leave their car at home can be insured at a reduced rate.
  • Organization Discounts – Being a member of a qualifying organization may earn a discount when getting a car insurance quote.
  • Low Mileage Discounts – Fewer annual miles on your BMW can earn lower insurance coveragerates on the low mileage vehicles.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will bring down the amount you pay for coverage.

Some of the insurance companies who might offer these benefits include:

It’s a good idea to ask each insurance company which credits you are entitled to. Some discounts may not apply to policyholders in your area. To choose insurers that provide some of the discounts listed above, click here.

Which policy gives me the best coverage?

When choosing coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions might point out if you might need professional guidance.

  • Does insurance cover tools stolen from my truck?
  • How can I find cheaper teen driver insurance?
  • Does liability extend to a camper or trailer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my cargo covered for damage or theft?
  • Are rock chip repairs covered?
  • Is pleasure use cheaper than using my 2010 BMW Z4 to commute?
  • Do all my vehicles need collision coverage?
  • When do I need to add a new car to my policy?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

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

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Insurance coverage considerations

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2010 BMW Z4.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from getting keyed, a broken windshield, vandalism and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as medical services, emergency aid, structural damage, medical expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, nursing services, chiropractic care, rehabilitation expenses and dental work. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance will pay to fix damage to your Z4 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, hitting a mailbox, crashing into a building, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Take this to the bank

Consumers switch companies for many reasons like policy cancellation, an unsatisfactory settlement offer, questionable increases in premium and delays in paying claims. Regardless of your reason, choosing a new insurance company is not as hard as you think.

In this article, we covered a lot of ways to get a better price on 2010 BMW Z4 insurance. The most important thing to understand is the more you quote car insurance, the better chance you’ll have of finding inexpensive car insurance. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies.

The cheapest 2010 BMW Z4 insurance can be sourced on the web in addition to many insurance agents, and you should compare rates from both so you have a total pricing picture. A few companies do not provide the ability to get quotes online and most of the time these regional insurance providers only sell coverage through independent agencies.

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