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: Apr 28, 2018

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Want the cheapest insurance coverage rates for your BMW Z4? Have you had enough of sacrificing other expenses to insure your BMW every month? You are no different than most other consumers. Consumers have many insurers to pick from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare company pricing.

Don’t overlook these insurance coverage discounts

Insurance coverage is neither fun to buy or cheap, but discounts can save money and there are some available that could drop your premiums quite a bit. Some discounts will apply when you complete an application, but some may not be applied and must be inquired about prior to getting the savings.

  • Drivers Ed for Students – Have your child complete a driver education course as it can save substantially.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Discount for Home Ownership – Owning your own home or condo can help you save on insurance coverage since owning and maintaining a home requires a higher level of personal finance.
  • Membership in Organizations – Being a member of a qualifying organization is a simple method to lower premiums on insurance coverage.
  • 55 and Retired – Seniors are able to get a small decrease in premiums on Z4 insurance.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Larger insurance coverage companies and some of the premium reductions they offer can be found below.

  • The Hartford offers discounts including air bag, vehicle fuel type, good student, defensive driver, and anti-theft.
  • American Family offers premium reductions for mySafetyValet, good driver, TimeAway discount, accident-free, bundled insurance, and multi-vehicle.
  • Progressive policyholders can earn discounts including online signing, multi-vehicle, multi-policy, online quote discount, good student, continuous coverage, and homeowner.
  • Travelers has discounts for driver training, early quote, home ownership, IntelliDrive, multi-car, payment discounts, and hybrid/electric vehicle.
  • Farmers Insurance may have discounts that include alternative fuel, good student, switch companies, distant student, and multi-car.
  • USAA includes discounts for multi-policy, defensive driver, good student, military installation, and driver training.
  • Liberty Mutual may offer discounts for multi-policy, multi-car, exclusive group savings, newly retired, hybrid vehicle, and newly married.

When getting free insurance quotes, it’s a good idea to all the companies how many discounts you can get. Depending on the company, some discounts may not apply to policies in your state. If you would like to view insurance companies that offer multiple discounts, click here to view.

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

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How much does insurance cost?

Shopping for lower insurance rates can be exhausting if you don’t know the fastest way to get free quotes. You could waste a few hours discussing policy coverages with agents in your area, or you could use online quotes to get rates in a matter of minutes.

Many popular insurance companies enroll in a system where insurance shoppers enter their policy data once, and every company returns a rated price based on the submitted data. This eliminates the need for quotation requests to each individual insurance company.

To enter your information into the quoting system, click here to start a free quote.

The only downside to doing it this way is buyers cannot specifically choose which companies to get pricing from. So if you want to select specific insurance companies to compare prices, we have a page of low cost insurance companies in your area. Click here to view list.

Compare rates however you want, just be sure to compare exactly the same coverage limits and deductibles on every quote you get. If you are comparing different deductibles it will be very difficult to determine the best price for your BMW Z4.

Learn how to lower your insurance premiums

Many factors are considered when you quote your car insurance policy. Some factors are common sense like an MVR report, but other factors are less obvious such as whether you are married or your financial responsibility.The best way to find cheaper insurance coverage is to take a look at some of the things that come into play when calculating your insurance coverage rates. If you have a feel for what determines base rates, this allows you to make educated decisions that will entitle you to lower insurance coverage prices.

  • Your spouse saves you money – Having a significant other may earn you lower rates on your insurance coverage policy. Having a significant other demonstrates that you tend to be more mature than a single person and it’s proven that drivers who are married file infrequent claims.
  • Where you call home can modify rates – Being located in less populated areas can save you money when shopping for auto insurance. Urban drivers have to deal with more road rage incidents and much longer commute distances. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • Better credit means lower prices – Credit rating can be a huge factor in determining your rates. Drivers with high credit ratings tend to be more responsible and file fewer claims than drivers who have lower credit ratings. If your credit rating is lower than you’d like, you may save money insuring your 2013 BMW Z4 if you clean up your credit.
  • Cheaper prices for prior coverage – Going without insurance is a fast way to increase your rates. In addition to paying higher rates, not being able to provide proof of insurance may result in fines and jail time.
  • Filing insurance claims can increase rates – Companies generally give discounts to policyholders who file claims infrequently. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Gender is a factor – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that women are better drivers. Women and men cause fender benders in similar numbers, but the males have costlier accidents. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving.

When to get professional advice

When choosing adequate coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so this has to be addressed. For instance, these questions could help you determine if your situation would benefit from professional advice.

  • Should I have combined single limit or split liability limits?
  • Am I covered when pulling a rental trailer?
  • Why do I need rental car insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

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

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Auto insurance coverage information

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills such as X-ray expenses, hospital visits, surgery and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage will pay to fix damage to your Z4 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, a tree branch falling on your vehicle, hitting a bird, fire damage and rock chips in glass. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

This provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, bail bonds, repair costs for stationary objects, loss of income and legal defense fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Do the work, save more money

Some companies do not provide price quotes online and many times these smaller providers only sell through independent agents. Lower-priced 2013 BMW Z4 insurance is available on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability coverage limits and discovered at claim time that it was a big mistake. Your goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

You just learned a lot of techniques to compare 2013 BMW Z4 insurance premium rates online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding the cheapest insurance. Drivers may discover the lowest premium rates are with the least-expected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

Much more information about car insurance is available below: