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: Sep 19, 2017

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Having to pay for expensive BMW Z4 insurance can stress out your family’s budget and put a big crunch on your finances.

Due to the fact that there are so many companies and agents to choose from, it is hard for the average consumer to pick the cheapest insurance coverage provider.

Buying the lowest cost auto insurance coverage is easy if you know what you’re doing. In a nutshell, every driver who is shopping for auto insurance will most likely be able to reduce their rates. But drivers do need to learn the way insurance companies compete online because it can help you find the best coverage.

Insurance quotes comparison

The are a couple different ways of comparing rate quotes from local insurance companies. The quickest method to compare 2015 BMW Z4 insurance prices is to perform an online rate comparison. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. If you’re in a hurry, the quickest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This style of form saves time by eliminating repetitive form entry to each individual insurance company. One simple form gets you price quotes from all major companies.
  2. A more difficult way to compare rate quotes is to manually visit each company website and get a separate price quote. For instance, let’s assume you want to view quotes from Allstate, Progressive and GEICO. You would have to spend time going to each site individually to enter the same coverage data repeatedly, and that’s why the first method is more popular. For a list of companies in your area, click here.
  3. The old school way to compare price quotes is making phone calls or going to different agent offices. Comparing rates online reduces the need to sit down with an agent unless you’re the type of person who wants the personal advice that only a licensed agent can provide. It is possible with some companies comparison shop your insurance online and have a local agent actually service the policy.

It’s up to you which method you use, but do your best to use exactly the same deductibles and coverage limits for each price quote. If you have higher or lower deductibles then you won’t be able to determine which rate is truly the best. Quoting even small variations in insurance coverages could mean much higher rates. Just remember that obtaining a wide range of quotes gives you a better chance of getting the best price. Not every company allows you to get rate quotes online, so it’s important to compare prices from them as well.

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

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Switch companies and save? Really?

Car insurance providers like State Farm and Allstate constantly bombard you with ads in print and on television. They all seem to say the same thing that people will save if you just switch your coverage. How do they all charge less that you’re paying now? Here is how they do it.

All companies have an ideal profile for the type of customer that will not have excessive claims. An example of a driver they prefer might be described as between 30 and 50, has a low-risk occupation, and drives less than 5,000 miles a year. Any person who matches those parameters will probably get the lowest premium rates and have a good chance to save money with a new company.

Drivers who fall outside the ideal profile may receive higher prices which results in business not being written. The wording the ads use say “customers that switch” not “everyone who quotes” save that much when switching. This is how insurance companies can confidently make claims like that.

Because every company is different, it is so important to get insurance coverage quotes as often as possible. It is impossible to predict which insurance companies will fit your personal profile best.

BMW Z4 insurance rates can be reduced

Many things are considered when quoting car insurance. Most are fairly basic such as your driving record, but other factors are more obscure like your continuous coverage or your commute time.

  • Job can influence premiums – Did you know your occupation can influence how much you pay for car insurance? Jobs like military personnel, executives and emergency personnel have higher premium rates due to high stress levels and long work hours. On the other hand, careers like professors, historians and homemakers receive lower rates for Z4 insurance.
  • Uninterrupted coverage lowers prices – Allowing your car insurance policy to lapse can be a quick way to drive up your policy premiums. Not only will rates go up, failure to provide proof of insurance could earn you fines and jail time.
  • How your age affects rates – Teen drivers are statistically shown to be careless and easily distracted in a vehicle therefore car insurance rates are much higher. Older people have been proven to be more responsible, cost insurance companies less in claims and receive fewer citations.
  • Liability protection preserves assets – Liability coverage is the coverage that protects you if ever you are ruled to be at fault for physical damage or personal injury to other. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive compared to physical damage coverage, so buy as much as you can afford.

Are you receiving every discount?

Car insurance companies do not list every possible discount in a way that’s easy to find, so the list below details some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance coverage online. If you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Data Collection Discounts – Drivers who elect to allow their company to spy on vehicle usage by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if their driving habits are good.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Renewal Discounts – Select insurance companies give a discount for switching companies prior to your current policy expiring. You could save around 10% when you buy insurance coverage online.
  • Organization Discounts – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on insurance.
  • Multiple Cars – Buying insurance for multiple cars or trucks with the same company can reduce rates for all insured vehicles.
  • Good Student Discount – Excelling in school could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Discounts for New Vehicles – Buying a new car model is cheaper since new model year vehicles have better safety ratings.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Z4 insurance but check with your company.
  • Drive Less and Save – Driving fewer miles could earn discounted prices on garaged vehicles.
  • Life Insurance – Insurance companies who offer life insurance give a discounted rate on car insurance if you buy some life insurance too.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.

Larger insurance companies and a selection of discounts can be read below.

  • American Family discounts include good student, air bags, mySafetyValet, bundled insurance, TimeAway discount, multi-vehicle, and accident-free.
  • Farm Bureau may have discounts that include youthful driver, multi-vehicle, driver training, 55 and retired, and multi-policy.
  • State Farm offers discounts for passive restraint, multiple policy, driver’s education, student away at school, anti-theft, Drive Safe & Save, and safe vehicle.
  • Travelers offers premium reductions for student away at school, hybrid/electric vehicle, payment discounts, IntelliDrive, driver training, multi-policy, and home ownership.
  • The Hartford may include discounts for driver training, air bag, anti-theft, good student, bundle, and vehicle fuel type.
  • GEICO offers discounts including five-year accident-free, multi-vehicle, military active duty, membership and employees, multi-policy, and federal employee.
  • Progressive has savings for continuous coverage, multi-policy, good student, online quote discount, homeowner, online signing, and multi-vehicle.

Double check with every company which credits you are entitled to. A few discounts may not be available in your state. To see a list of insurance companies who offer insurance discounts, click this link.

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

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When in doubt talk to an agent

When buying the right insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • How high should my medical payments coverage be?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage when making deliveries for my home business?
  • How can I force my company to pay a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Will my rates increase for filing one claim?
  • Does insurance cover damages from a DUI accident?
  • I have health insurance so do I need medical payments coverage?
  • What discounts do I qualify for?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Knowing the specifics of insurance helps when choosing the best coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by insurance companies.

Auto liability insurance – Liability insurance provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, loss of income, funeral expenses, bail bonds and emergency aid. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Comprehensive insurance – This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding, hitting a bird and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2015 BMW Z4.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses like EMT expenses, chiropractic care, funeral costs, X-ray expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

At the end of the day…

We just showed you many ideas to shop for 2015 BMW Z4 insurance online. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable insurance coverage. You may be surprised to find that the most savings is with some of the smallest insurance companies. Smaller companies often have lower car insurance rates on specific markets compared to the large companies like Progressive or GEICO.

Cheaper insurance is attainable from both online companies in addition to local insurance agencies, so you should compare both to have the best selection. Some insurance companies don’t offer online rate quotes and usually these regional carriers only sell through independent agencies.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. The ultimate goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

To learn more, feel free to browse the resources below: