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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Buyers have many options when searching for low-cost BMW Z4 insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to compare rates. There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to compare rates on a BMW and obtain the lowest price from both online companies and local agents.

Use discounts to get cheaper auto insurance quotes

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that may help make it more affordable. Larger premium reductions will be automatically applied at the time you complete a quote, but occassionally some discounts must be specially asked for before you will receive the discount.

  • Professional Memberships – Affiliation with qualifying employment or professional organizations could qualify you for a break on your bill.
  • Paperless Signup – A handful of larger companies will give a small break for signing up on your computer.
  • Driver Training Discounts – Taking time to complete a defensive driving course could save 5% or more and also improve your driving technique.
  • Sign Early and Save – A few auto insurance companies allow discounts for signing up prior to the expiration date on your current policy. This discount can save up to 10%.
  • Claim Free – Good drivers with no accidents pay much less in comparison with frequent claim filers.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance on Z4 coverage depending on your auto insurance provider.
  • Multiple Cars – Buying insurance for primary and secondary vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Passenger Safety Discount – Factory air bags may qualify for discounts of more than 20%.
  • Bundle and Save – If you can bundle your home and auto insurance with one company you may save as much as 10 to 15 percent.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.

As is typical with insurance, most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

Auto insurance companies that possibly offer some of the above discounts possibly include:

Double check with every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not apply in every state. For a list of providers offering auto insurance discounts, click here.

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

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Buy car insurance online

Cutting your car insurance rates is a fairly straight forward process. You just have to take the time getting comparison quotes from different insurance companies. It’s really simple and can be done by following the guidelines below.

  1. If you don’t have a lot of time, the easiest way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This form keeps you from doing separate quotation requests for every company. One simple form will return quotes from multiple companies.It’s the quickest way to get rates.
  2. A more time consuming way to shop for car insurance online is spending the time to visit each company website and request a quote. For example, let’s assume you want rates from USAA, Progressive and State Farm. You would have to go to every website and punch in your information repeatedly, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient way to get rate quotes is going to local insurance agencies. Shopping for car insurance online eliminates the middleman unless you require the trained advice that only a licensed agent can provide. It is possible to comparison shop your insurance online and get advice from an agent in your area.

However you get your quotes, do your best to use equivalent coverage limits and deductibles for every company. If you are comparing different coverage information it’s not possible to find the best deal for your BMW Z4.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Is my state a no-fault state?
  • How can I get high-risk coverage after a DUI?
  • Is my trailer covered?
  • Do I need PIP coverage since I have good health insurance?
  • I have a DUI can I still get coverage?
  • What is UM/UIM insurance?
  • At what point should I drop full coverage?
  • What if I total my 2012 BMW Z4 and owe more than it’s worth?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

What insurance coverages do you need?

Having a good grasp of your insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance – This coverage can cover damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as attorney fees, structural damage, bail bonds and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Collision coverages – This coverage pays for damage to your Z4 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, hospital visits and surgery. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your 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 should not be overlooked.

Comprehensive insurance – Comprehensive insurance coverage covers 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 pays for things such as hitting a deer, hail damage and theft. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

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

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Cheaper insurance is a realistic goal

We just covered many tips how you can get a better price on 2012 BMW Z4 insurance. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting cheaper auto insurance. Consumers may even find the most savings is with a lesser-known regional company.

More affordable insurance coverage is definitely available both online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don’t offer internet price quotes and most of the time these smaller companies work with independent agents.

When you buy auto insurance online, it’s not a good idea to buy less coverage just to save a little money. In too many instances, an accident victim reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy enough coverage for the lowest price but still have enough coverage for asset protection.

More detailed insurance coverage information can be read at these sites: