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 9, 2018

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Looking for better auto insurance rates for your BMW Z4? Locating budget-priced auto insurance on the internet may seem to be overwhelming for people new to price shopping online. Since there are so many insurers to choose from, how can you effectively compare every company to locate the best available price?

Insurance quotes and discounts

Insuring your vehicles can cost a lot, but there could be significant discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but some discounts are required to be manually applied before you will receive the discount.

  • Telematics Data – People who choose to allow companies to scrutinize where and when they drive through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if their driving habits are good.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same insurance company qualifies for this discount.
  • Good Grades Discount – Being a good student can earn a discount of 20% or more. You can use this discount normally up to age 25.
  • Federal Employees – Federal government employees could qualify for a slight premium decrease for Z4 coverage with certain companies.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving could save 15% on the medical payments or PIP coverage costs.
  • Active Service Discounts – Having an actively deployed family member could trigger a small discount.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous. But all discounts will bring down the amount you pay for coverage.

A few of the larger companies and some of their more popular discounts are included below.

  • Progressive may have discounts that include good student, continuous coverage, homeowner, online quote discount, and multi-vehicle.
  • Farmers Insurance offers premium reductions for good student, distant student, electronic funds transfer, mature driver, bundle discounts, youthful driver, and switch companies.
  • Farm Bureau has discounts for safe driver, 55 and retired, multi-policy, good student, driver training, renewal discount, and multi-vehicle.
  • State Farm offers discounts including safe vehicle, passive restraint, multiple autos, good driver, multiple policy, Drive Safe & Save, and Steer Clear safe driver discount.
  • GEICO has savings for seat belt use, good student, driver training, military active duty, and membership and employees.
  • SAFECO may include discounts for homeowner, anti-lock brakes, accident prevention training, teen safety rewards, multi-car, and safe driver.
  • Liberty Mutual may offer discounts for good student, exclusive group savings, new vehicle discount, teen driver discount, and hybrid vehicle.

It’s a good idea to ask all the companies how many discounts you can get. A few discounts might not be offered in your area. To locate insurance companies with discount insurance rates, click here to view.

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

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Situations that may require an agent’s advice

When buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • How do I insure my teen driver?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my teen driver covered when they drive my company car?
  • Should I put collision coverage on all my vehicles?
  • Does coverage extend to my business vehicle?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Brand name doesn’t guarantee savings

State Farm and Allstate regularly use television, radio, and online ads. All the ads try to convey promises that people will save just by switching your policy. That’s great but how can every company charge you a lower premium? This is the way they can do it.

Most companies have specific guidelines for the type of customer that will add to their bottom line. For instance, a desirable risk might be described as over the age of 35, has no prior claims, and drives a vehicle with a low ISO rating. Any new insured who matches that profile will get low car insurance rates and have a good chance to save money with a new company.

Potential customers who do not meet this stringent profile must pay more expensive rates which translates to the customer not purchasing. The ad wording is “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can truthfully make those claims. This really drives home the point why drivers should compare quotes as often as possible. Because without a comparison, you cannot know which company will have better car insurance rates than you’re paying now.

Insurance coverages 101

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, a broken windshield, a tree branch falling on your vehicle, hail damage and hitting a bird. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your BMW Z4.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for things like prosthetic devices, nursing services, doctor visits and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance will pay to fix damage to your Z4 from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability coverages – This can cover injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims, and 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 values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, loss of income, legal defense fees, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

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

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In any little way, save everyday

Low-cost 2014 BMW Z4 insurance is definitely available from both online companies as well as from independent agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide price quotes online and these smaller providers only sell through local independent agencies.

Insureds change insurance companies for many reasons like an unsatisfactory settlement offer, being labeled a high risk driver, policy non-renewal and policy cancellation. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

In this article, we presented many tips how you can shop for 2014 BMW Z4 insurance online. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest insurance. You may even find the most savings is with an unexpected company.

To read more, take a look at the articles below: