1999 BMW Z3 Car Insurance Quotes – 6 Tips to Save

Want better insurance coverage rates for your BMW Z3? Having to pay for overpriced BMW Z3 insurance can diminish your savings account and force you to cut corners elsewhere. Doing a price comparison is recommended to ensure you are getting the best deal.

Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every company to get the lowest price

It’s a good idea to shop coverage around before your policy renews because insurance coverage prices trend upward over time. Just because you had the lowest rate on Z3 insurance six months ago there may be better deals available now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to how to quote online to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Buying car insurance is easy if you know what you’re doing. Although car owners need to learn how the larger insurance companies determine prices because it can help you find the best coverage.

How to buy insurance

When shopping for insurance there are multiple ways of comparing price quotes from all the different companies. The fastest way to find the lowest 1999 BMW Z3 rates is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

  • The simplest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This style of form eliminates the need for a different quote for every prospective company. One simple form will return quotes from many national carriers.
  • A less efficient way to get quotes online requires you to visit each company’s website to request a price quote. For sake of this example, let’s assume you are doing a rate comparison from Progressive, 21st Century and Liberty Mutual. You would need to visit each site to enter the same coverage data repeatedly, which is why first method is reommended.

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

  • The least recommended method to comparison shop rate quotes is driving to different agent offices. The internet has reduced the need for local agents unless you require the trained advice that only a licensed agent can provide. If you prefer, some companies allow you to find lower rates online but buy the policy through an agent.

However you get your quotes, ensure you’re using the exact same quote data on every quote. If each company quotes mixed coverages it’s not possible to make a fair comparison for your BMW Z3. Slightly different insurance coverages could mean much higher rates. It’s important to know that comparing more rates from different companies helps increase your odds of locating a lower rate. Not every company does online rate quotes, so it’s recommended that you also compare prices from them, too.

Take advantage of every auto insurance discount

Car insurance is not cheap, but there could be available discounts that could help you make your next renewal payment. Certain discounts will be applied when you quote, but less common discounts must be specially asked for in order for you to get them.

  • Good Grades Discount – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Early Renewal Discounts – Some larger companies reward drivers for switching policies prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance with the same company you will save at least 10% off all policies.
  • Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction on Z3 insurance with select insurance companies.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
  • Own a Home – Just owning your own home can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. Even though it appears all the discounts add up to a free policy, nobody gets a free ride.

Auto insurance companies who may offer some of the above discounts are:

When comparing rates, check with all the companies to apply every possible discount. Some credits might not be available to policyholders in your area. If you would like to view insurance companies who offer discounts, click here.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions might point out whether or not you could use an agent’s help.

  • Are my friends covered when driving my car?
  • Is my babysitter covered when using my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need replacement cost coverage?
  • When should I remove comp and collision on my 1999 BMW Z3?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance specifics

Understanding the coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

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

Liability coverage

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as legal defense fees, repair costs for stationary objects, medical expenses, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for nursing services, ambulance fees and EMT expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover 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

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This coverage covers damage to your Z3 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comments About 1999 BMW Z3 Insurance

  1. Kendal Paul

    Well-written and thought out article. I’m in the east part of Fairbanks, AK. Quoted quotes with AAA, Nationwide, and Travelers for my 1999 BMW Z3 and I’m now saving $16 a month. I have a couple other vehicles on the policy. Get lots of quotes to find the best rate. Not worth enough to pay for comprehensive and collision.

  2. Caprice Melton

    I live just to the west of Greensboro, NC. Went online for free insurance quotes for a 1999 BMW Z3. Ended up at about $100 savings annually. Went with 21st Century. Was with Hartford. Not sure about claim service. Book value doesn’t justify full coverage anymore.

  3. Liberty Benjamin

    I’ve had GEICO for years. I’m in Tampa, FL.

  4. Rosita Juarez

    In Cranston, RI, 21st Century auto insurance rates for my 1999 BMW Z3 were good. Was with GEICO. A clean driving record helps. You can get a rate quote online.

  5. Karina Peters

    Cheaper car insurance is a myth. From Fargo, North Dakota. Can’t remember who all I quoted but I ended up saving about $20 each month. Even increased my liability limits. Are quotes cheaper online?

  6. Akiko Weber

    Hope my car insurance gets cheaper. I live in a small town just outside of Fort Smith, AR. Not sure of all the companies but I ended up saving about $20 each month. Insured with American Family before. I’m a pretty low risk driver. Hardly afford to drive anymore. Just liability coverage since it’s getting old.

  7. Glinda Cohen

    IT’S ALL TOO EXPENSIVE! From northwest of Fort Wayne, IN. Quoted with Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my Z3 and saved $91 a year.

  8. Sharita Sosa

    If you don’t have tickets and live in the vicinity of Phoenix, AZ, check out 21st Century. You might save some money.

  9. Malcom Sharp

    I live just to the west of Springfield, Missouri. Quoted prices online for a 1999 BMW Z3. Ended up at about $120 savings annually. Went with GEICO. Was with American Family. Hopefully won’t need it.

  10. Sherron Crawford

    GEICO and Allstate were both pretty cheap in Virginia Beach, VA.

  11. Meredith Singleton

    Looking for cheaper 1999 BMW Z3 insurance in Nashua, New Hampshire. Help!