2013 BMW Z4 Car Insurance Quotes in 2024 – 8 Tips for Cheaper Rates

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

Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: May 18, 2024

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Searching for the cheapest insurance for a new or used BMW Z4 can be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to price shop coverage for a new or used BMW and locate the best price possible from both online companies and local agents.

It’s important to take a look at other company’s rates yearly since insurance rates trend upward over time. If you had the best rate for Z4 coverage a couple years back you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to learn the tricks you need to know to save on insurance coverage.

Locating cheaper coverage is not that difficult. If you have a current auto insurance policy or are just looking to switch companies, you can use these tips to find better prices and still get good coverage. Drivers only need to know the proper way to buy auto insurance online.

How to buy auto insurance online

Shopping for lower auto insurance rates can be a daunting task if you don’t understand the easiest way. You can spend your afternoon driving to agents in your area, or you can utilize the web for quick rates.

Most of the best insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company can provide price quotes based on that information. This system prevents you from having to do quote requests to each individual auto insurance company.

To participate in this free quote system, enter your zip code here.

The single downside to getting quotes like this is that you can’t choose which carriers to get pricing from. So if you want to choose individual companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click to enter zip code.

Whichever method you choose, try to keep the exact same coverage data on every quote you get. If you have different data then you won’t be able to find the best deal for your BMW Z4.

Do you qualify for discount insurance?

Car insurance companies don’t always advertise every discount very clearly, so the following list contains both the well known and also the lesser-known discounts that you can inquire about if you buy auto insurance online.

  • ABS Braking Discount – Anti-lock brake equipped vehicles are much safer to drive and the ABS can save up to 10%.
  • Student in College – Children who live away from home at college and leave their car at home could get you a discount.
  • Payment Discounts – By making one initial payment instead of paying each month you can avoid monthly service charges.
  • Memberships – Having an affiliation with qualifying employment or professional organizations could trigger savings when getting a auto insurance quote.
  • Homeowners Pay Less – Owning a house can get you a discount because maintaining a house demonstrates responsibility.
  • Discount for Good Grades – This discount could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Multi-line Discount – Larger insurance companies have a discounted price on car insurance if you buy life insurance.

Please keep in mind that most discounts do not apply to the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To choose insurance companies with discount insurance rates, enter your zip code here.

What insurance coverages do I need?

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Do I need an umbrella policy?
  • When would I need rental car insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I carry comprehensive and collision coverage?
  • If I drive on a suspended license am I covered?
  • When do I need to add a new car to my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete your zip code. It is quick, free and you can get the answers you need.

What car insurance coverages do you need?

Understanding the coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, hospital visits, funeral costs and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision coverage

Collision coverage will pay to fix damage to your Z4 resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability coverage

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your BMW Z4.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive car insurance

This will pay to fix 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 protects against claims like a broken windshield, rock chips in glass and hitting a bird. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In Summary

Discount 2013 BMW Z4 insurance is definitely available from both online companies and from local agencies, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who may not provide price quotes online and usually these smaller companies provide coverage only through independent agents.

In this article, we covered a lot of tips how to reduce 2013 BMW Z4 insurance premium rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheap auto insurance. You may even discover the best premium rates are with a small mutual company.

Insureds leave their current company for a variety of reasons including high rates after DUI convictions, high prices, denial of a claim or delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company is less work than it seems.

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