Are you looking for low-cost BMW Z4 insurance in Austin? No one in their right mind likes having to buy auto insurance, in particular when they are paying too much.
Unbelievable but true according to a study most consumers kept their coverage with the same auto insurance company for at least four years, and almost 40% of drivers have never quoted rates to find cheap coverage. Many consumers in Austin could save about $1,770 every year just by shopping around, but most just don’t grasp the big savings they would realize if they switch to a new company. Having so many different company options, it is very difficult to locate the lowest cost insurance company.
Companies offering BMW Z4 insurance in Texas
The car insurance companies shown below are our best choices to provide comparison quotes in Texas. If the list has multiple companies, it’s highly recommended you visit two to three different companies to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $196 | $414 | $340 | $20 | $102 | $1,072 | $89 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $336 | $620 | $334 | $20 | $100 | $1,410 | $118 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Table data does not factor in Austin location which can revise insurance rates considerably.
BMW Z4 insurance costs by age and gender
The information below compares BMW Z4 car insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no policy discounts are applied.
Take policy discounts and save on BMW Z4 insurance in Austin
Some insurers don’t always advertise all available discounts in a way that’s easy to find, so the list below details some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy Austin car insurance online.
- Discounts for Good Drivers – Insureds who avoid accidents can save up to 40% or more on their Austin car insurance quote as compared to drivers with claims.
- Defensive Driver – Completing a course that instructs on driving safety can save you 5% or more if you qualify.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
- Active Service Discounts – Having a family member in the military may qualify for rate reductions.
- E-sign – A few larger online companies will give you a small discount just for signing your application on your computer.
- Organization Discounts – Affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
- Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save 10% or more off the medical payments premium.
- Discount for Good Grades – Excelling in school may save you up to 25%. This discount can apply well after school through age 25.
One last thing about discounts, some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.
Car insurance companies that may have most of the discounts above include:
If you are trying to find inexpensive Austin car insurance quotes, ask every insurance company how many discounts you can get. Some discounts might not apply in Austin. To see companies that can offer you the previously mentioned discounts in Texas, click here.
Shop online but buy locally
Many drivers would rather sit down with an agent and that is just fine! Licensed agents can point out coverage gaps and help you file claims. The best thing about getting free rate quotes online is the fact that you can find cheap rate quotes but also keep your business local.
After filling out this quick form, the coverage information gets sent to companies in Austin who want to provide quotes for your insurance coverage. There is no need to contact any agents because prices are sent straight to your inbox. In the event you want to get a rate quote from a particular provider, you just need to find their quoting web page and complete a quote there.
Picking an insurer needs to be determined by more than just the bottom line cost. These are some questions your agent should answer.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How would your car be valued if totalled?
- Do they make recommendations based only on price?
- Do the coverages you’re quoting properly cover your vehicle?
- Is there a 24/7 contact number?
Pick the best auto insurance agent in Austin for you
If you prefer to buy insurance from a good Austin insurance agent, it helps to know the two types of insurance agents and how they are distinctly different. Agents in Austin are categorized either independent agents or exclusive agents. Either one can sell and service insurance coverage, but it’s important to point out the difference in how they write coverage because it can factor into which agent you choose.
Exclusive Agencies
Exclusive agencies can only provide one company’s prices and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot compare rates from other companies so keep that in mind. Exclusive agencies receive extensive training on their company’s products which helps offset the inability to provide other markets.
The following is a short list of exclusive insurance agencies in Austin willing to provide price quote information.
J B Ruebsahm – State Farm Insurance Agent
1901 W William Cannon Dr #131 – Austin, TX 78745 – (512) 444-1845 – View Map
Bob Jennings – State Farm Insurance Agent
4405 Pack Saddle Pass – Austin, TX 78745 – (512) 444-9671 – View Map
Karen Easterling – State Farm Insurance Agent
2711 W Anderson Ln #201 – Austin, TX 78757 – (512) 454-4784 – View Map
Independent Agencies or Brokers
These agents can quote rates with many companies so they can write business amongst many companies and find you cheaper rates. If prices rise, an independent agent can move your coverage and that require little work on your part. If you are comparing rate quotes, we highly recommend that you get quotes from at least one independent agent to ensure the widest selection of prices.
Listed below are independent insurance agents in Austin willing to provide price quote information.
Nationwide Insurance: James Gary Howe
3720 Far West Blvd #114 – Austin, TX 78731 – (512) 346-7645 – View Map
Central Insurance Agency, Inc.
6000 N Lamar Blvd – Austin, TX 78752 – (512) 451-6551 – View Map
AUSTIN AREA INSURANCE AGENCY
8711 Burnet Rd – Austin, TX 78757 – (512) 253-8726 – View Map
Smart consumers save more
You just read some good ideas how you can shop for BMW Z4 insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the best prices are with a smaller regional carrier. They can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.
While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability coverage limits and discovered at claim time that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at the best cost while still protecting your assets.
Even more information can be read at these sites:
- What is Covered by GAP Insurance? (Allstate)
- What Insurance is Cheapest for a Toyota RAV4 in Austin? (FAQ)
- How Much are Auto Insurance Rates for Unemployed Drivers in Austin? (FAQ)
- Who Has Cheap Car Insurance for a GMC Acadia in Austin? (FAQ)
- How Much is Auto Insurance for Good Students in Austin? (FAQ)
- Who Has Cheap Austin Auto Insurance for Teachers? (FAQ)
- Who Has Affordable Car Insurance Rates for Police Officers in Austin? (FAQ)
- Who Has Cheap Austin Auto Insurance for Postal Workers? (FAQ)
- Who Has Affordable Austin Car Insurance Quotes for 16 Year Olds? (FAQ)
- Who Has Affordable Car Insurance for a Nissan Rogue in Austin? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Auto Crash Statistics (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)
- Five Mistakes to Avoid (Insurance Information Institute)