Compare 2014 BMW Z4 Insurance Cost

Trying to find better insurance rates? Buyers have lots of choices when searching for the best price on BMW Z4 insurance. You can either spend your time struggling with agents trying to get quotes or save time using the internet to get rate quotes.

There are more efficient ways to find insurance online so we’re going to tell you the best way to get price quotes for a BMW and locate the lowest possible price from both online companies and local agents.

Insurance coverage quotes and discounts

Companies do not list the complete list of policy discounts in a way that’s easy to find, so the list below contains a few of the more common and also the more inconspicuous credits that may apply to you. If you aren’t receiving every discount available, you could be saving more on your insurance coverage.

  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Good Student – Performing well in school could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Responsible Driver Discounts – Drivers without accidents could pay up to 40% less for Z4 insurance than drivers with accidents.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may earn at least 10 to 15 percent or more.
  • Early Signing – Select insurance coverage companies give a discount for switching companies prior to your current policy expiring. It’s a savings of about 10%.
  • Senior Citizens – Drivers that qualify as senior citizens may be able to get lower premium rates for Z4 insurance.
  • Club Memberships – Being a member of specific professional or occupational memberships or organizations could trigger savings when getting a insurance quote.
  • New Vehicle Savings – Adding a new car to your policy may earn a small discount since newer models are generally safer.
  • Discounts for Government Workers – Federal government employees could cut as much as 10% off for Z4 insurance depending on your company.

As is typical with insurance, some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Companies and their possible discounts are:

  • American Family offers discounts for good student, Steer into Savings, TimeAway discount, early bird, and bundled insurance.
  • Farm Bureau may have discounts that include youthful driver, multi-vehicle, multi-policy, renewal discount, driver training, 55 and retired, and good student.
  • State Farm discounts include good student, safe vehicle, passive restraint, multiple policy, student away at school, and Drive Safe & Save.
  • Travelers includes discounts for IntelliDrive, home ownership, continuous insurance, student away at school, payment discounts, and early quote.
  • The Hartford offers discounts including good student, air bag, vehicle fuel type, defensive driver, anti-theft, driver training, and bundle.
  • Geico has savings for anti-lock brakes, good student, membership and employees, air bags, defensive driver, anti-theft, and daytime running lights.
  • Progressive has discounts for multi-vehicle, homeowner, good student, continuous coverage, and online quote discount.

When quoting, ask every insurance company which discounts you qualify for. A few discounts may not apply to policyholders everywhere. To choose insurance coverage companies that can offer you the previously mentioned discounts, click here.

Cheapest auto insurance price quotes

Lowering your 2014 BMW Z4 auto insurance rates is an easy way to save money. You just need to take a couple of minutes comparing free insurance quotes to find. This is very easy and can be done using one of these methods.

  1. The most efficient way to find low rates is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating separate quotation requests for every prospective company. Completing one form gets insurance cost estimates instantly.It’s the quickest way to get rates.
  2. A more difficult way to analyze rates consists of visiting the website for each individual company and fill out a new quote form. For example, we’ll pretend you need rates from Geico, State Farm and GMAC. In order to compare rates, you need to spend time on each company’s site and repeatedly type in your coverage information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

The method you choose is up to you, but do your best to enter exactly the same quote information with each company. If the quotes have different liability limits you will not be able to make a fair rate comparison.

Situations that may require an agent’s advice

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • What if I don’t agree with a claim settlement offer?
  • How can I force my company to pay a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I missing any policy discounts?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your car insurance policy

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability – This can cover injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $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. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, pain and suffering, attorney fees, medical expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision coverage – Collision coverage covers damage to your Z4 resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like pain medications, doctor visits, chiropractic care, prosthetic devices and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, damage from a tornado or hurricane, a broken windshield, hitting a bird and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Power to the consumer

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your aim should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

We’ve covered a lot of ways to save on 2014 BMW Z4 insurance. It’s most important to understand that the more you quote insurance, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with a small mutual company.

Cheap 2014 BMW Z4 insurance is available on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get quotes online and these regional carriers prefer to sell through independent insurance agencies.

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

Comments About 2014 BMW Z4 Insurance

  1. Reynaldo James

    Any claims experience with Allstate in Columbus, OH?

  2. Alayna Montgomery

    Will Allstate be cheaper if I raise deductibles?

  3. Dorinda Graham

    2014 BMW Z4 + Allstate = CHEAP! At least inWisconsin anyway.

  4. Etha Guthrie

    Great site. Went with AAA for my Z4 and saved around $510 a year. Did it all online.

  5. Glayds Romero

    Got pretty cheap 2014 BMW Z4 insurance from GEICO in Denver, CO.

  6. Israel Wall

    I’m in the south part of Las Cruces, New Mexico. I don’t recall every quote but I ended up saving about $30 each month. Insured with Esurance before. I get lower rates because of my clean driving record. Hardly afford to drive anymore.

  7. Petra Holt

    I live in a small town just outside of Cranston, Rhode Island. Can’t remember who all I quoted but I ended up saving about $30 each month. Left Travelers to switch.

  8. Annelle Blake

    I’m just south of Portland, OR. Quoted with USAA, AAA, The General, and Mercury for my Z4 and I think I am saving around $30 each month. I get a discount for insuring multiple vehicles. Just go online and compare their rates.

  9. Blossom Lang

    I’m in the east part of Provo, Utah. Can’t remember who all I quoted but I ended up saving about $50 each month. Left Farmers to switch. I quoted rates online then called them.

  10. Derick Ware

    Nice info. Live in the western part of Gulfport, Mississippi. I got free quotes with American Family, Mercury, and a few others for my BMW and I think I saved around $40 each month. I get lower rates because of my clean driving record.

  11. Nereida Vinson

    Thought I’d throw in my experience. I live just to the west of Rio Rancho, New Mexico. Quoted with Travelers, AIG Insurance, The General, and Mercury for my Z4 and I think I am saving around $40 each month. Highly recommended.

  12. Margit Cain

    I switched to 21st Century. Quoted good rates in Billings, Montana. Left Progressive to switch. I’m a pretty good driver though.

  13. Ozie Miranda

    Good detail in your article. I’m in Jackson, Mississippi. I got free quotes from Allstate, Auto-Owners, and some I forget for my 2014 BMW Z4 and I’m now saving $33 a month. Was with GEICO. Even increased my liability limits.

  14. Johnathan West

    Anyone buy from Amica? I’m in Cranston, RI.

  15. Davina Decker

    Anyone find cheap rates around Mobile, AL?

  16. Raymonde Kramer

    Nice info. I live just outside Chesapeake, VA. I quoted with Mercury, Farmers, Allstate, and American Family for my BMW and I’m now saving $18 a month. I used their online quote form to compare rates.