Do you want to save money by buying lower-priced BMW Z4 insurance in Scottsdale? Finding low-cost insurance for a new or used BMW Z4 in Arizona could be a painful process, but you can learn a few tricks to find lower rates.
There are both good and bad ways to shop for insurance and we’ll show you the proper way to compare rates for a new or used BMW and locate the lowest price either online or from Scottsdale insurance agents.
It’s smart to compare premium rates yearly since insurance prices are adjusted regularly by insurance companies. Even if you think you had the best rates on BMW Z4 insurance in Scottsdale a few years ago a different company probably has better rate quotes today. You can search a lot of Z4 insurance on the web, but in a few minutes you can learn some excellent ideas to quit paying high insurance rates in Scottsdale.
Don’t neglect these discounts
Car insurance companies don’t always publicize all discounts very clearly, so the below list has some of the best known and the more hidden discounts you could be receiving when you buy Scottsdale car insurance online. If you check and find you aren’t receiving every discount possible, you are just wasting money.
- Discount for Multiple Policies – If you can bundle your home and auto insurance with one insurance company you may earn as much as 10 to 15 percent.
- Passenger Safety Discount – Options like air bags or automatic seat belts could see savings up to 30%.
- Distant Student Discount – Kids living away from Scottsdale attending college and do not have access to a covered vehicle can receive lower rates.
- Telematics Devices – Insureds that choose to allow data collection to spy on when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they have good driving habits.
- Clubs and Organizations – Participating in a qualifying organization could qualify you for a break on your next renewal.
- Senior Citizen Rates – Older drivers are able to get a small decrease in premiums.
- Accident Waiver – Not a discount per se, but companies like State Farm, Progressive and GEICO will allow you to have one accident before raising your premiums so long as you are claim-free for a specific time period.
- Low Mileage Discounts – Driving less can qualify you for lower rates on the low mileage vehicles.
- Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The chart below visualizes the comparison of BMW Z4 annual premium costs with and without discounts applied to the premium. The prices are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-policy, marriage, and multi-car discounts applied.
A list of auto insurance companies and some of the discounts include:
- Mercury Insurance may offer discounts for good driver, accident-free, annual mileage, professional/association, ease of repair, and multi-policy.
- Farmers Insurance offers premium reductions for bundle discounts, early shopping, switch companies, multi-car, alternative fuel, teen driver, and business and professional.
- Farm Bureau policyholders can earn discounts including multi-vehicle, multi-policy, 55 and retired, good student, and safe driver.
- State Farm may have discounts that include good student, safe vehicle, defensive driving training, multiple policy, good driver, student away at school, and accident-free.
- Allstate includes discounts for farm vehicle, new car, anti-theft, anti-lock brakes, and EZ pay plan discount.
- GEICO offers discounts for defensive driver, federal employee, good student, driver training, and daytime running lights.
Double check with all the companies to give you their best rates. All car insurance discounts may not apply in your area. To view insurance companies offering auto insurance discounts in Arizona, follow this link.
Many insurance companies like Allstate, GEICO and Progressive provide coverage price quotes direct online. Obtaining pricing for BMW Z4 insurance in Scottsdale is very simple as you simply type in the coverage amounts you desire into the form. After you submit the form their rating system will obtain your driving record and credit report and provides a quote based on the data you entered.
Quoting online for BMW Z4 insurance in Scottsdale makes it a lot easier to compare rates and it’s also necessary to do this if you want to get the cheapest price possible.
If you want to find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend that you enter coverages and limits exactly as shown on your declarations page. This guarantees you will have rate comparison quotes for similar insurance coverage.
The companies in the list below are ready to provide price comparisons in Scottsdale, AZ. To locate cheap car insurance in Scottsdale, it’s highly recommended you compare several of them to get the best price comparison.
BMW Z4 coverage analysis
The coverage table below highlights different insurance policy prices for BMW Z4 models. Being aware of how insurance prices are figured can help you make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $332 | $530 | $334 | $20 | $100 | $1,316 | $110 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $332 | $530 | $334 | $20 | $100 | $1,316 | $110 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific garaging location which can modify premiums substantially.
Physical damage deductibles: Should you raise them?
One frequently asked question is how high should the deductibles for physical damage be. The comparison tables below can help illustrate the differences in price when you buy lower versus higher coverage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific location which can alter price quotes greatly.
Based on these figures, using a $100 deductible costs an average of $27 more each month or $324 a year across all BMW Z4 models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 15 months between claim filings, you would save money going with the higher deductible.
When do I need an agent’s advice?
Always keep in mind that when comparing adequate coverage for your vehicles, there really isn’t a best way to insure your cars. Every insured’s situation is different and your policy should reflect that.
These are some specific questions may help you determine whether you would benefit from professional advice.
- When should I not buy collision coverage?
- Is coverage enough to protect my assets?
- Am I covered when driving a rental car?
- Is my babysitter covered when using my vehicle?
- Do they offer discounts for home and auto coverage?
- How much will a speeding ticket raise my rates?
- What is GAP insurance?
- Do I need rental car coverage?
- Do I have ACV or replacement cost coverage?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Local neighborhood insurance agents
Some people just prefer to talk to an insurance agent and that is a personal choice. Good agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of comparing rate quotes online is that drivers can save money and get lower rates and still have a local agent. Buying insurance from small agencies is important especially in Scottsdale.
Upon completion of this simple form, your insurance data is immediately sent to local insurance agents who will give competitive quotes and help you find cheaper coverage. There is no reason to visit any agencies because prices are sent to your email. In the event you want to get a rate quote from one company in particular, you can always go to their quote page and submit a quote form there.
When finding a local agent, it’s important to understand the different types of agents and how they are slightly different. Agents in Scottsdale are considered either exclusive or independent. Either type can insure your vehicles, but it is a good idea to know the differences because it can factor into which agent you choose.
Independent Insurance Agents
Independent agencies are not employed by one company and that is an advantage because they can write policies through many different insurance companies and help determine which has the cheapest rates. If they find a lower price, the business is moved internally which requires no work on your part.
If you are comparing rate quotes, you should always get insurance quotes from a couple of independent agencies for the best price selection. Many independent agencies also insure through smaller mutual companies which can save you money.
Shown below is a partial list of independent agents in Scottsdale that may be able to provide free rate quotes.
- Leavitt Group – Powers-Leavitt Insurance Agency
14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100 – View Map - Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map - Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only quote rates from one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. They are very knowledgeable on what they offer and that enables them to sell even at higher rates. Drivers often buy from exclusive agents mostly because of the prominent brand name rather than having low rates.
Listed below are Scottsdale exclusive insurance agents that are able to give price quote information.
- Ric Newman – State Farm Insurance Agent
10401 E McDowell Mountain Ranch Rd #110 – Scottsdale, AZ 85255 – (480) 860-2121 – View Map - Athena Olson – State Farm Insurance Agent
8170 N 86th Pl #105 – Scottsdale, AZ 85258 – (480) 398-1266 – View Map - Dan Vukovic – State Farm Insurance Agent
7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 – View Map
Finding the right insurance agent is decision based upon more than just the quoted price. These are some questions your agent should answer.
- Has the agent ever had any license suspensions?
- Do the agents have professional certifications like CPCU or CIC?
- Is the quote a firm price?
- How long has their agency been in business in Scottsdale?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Cheaper insurance is a realistic goal
Some companies don’t offer online rate quotes and many times these small insurance companies prefer to sell through independent insurance agents. Lower-priced BMW Z4 insurance in Scottsdale can be purchased from both online companies and also from your neighborhood Scottsdale agents, and you need to comparison shop both in order to have the best price selection to choose from.
As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.
Steps to finding discount BMW Z4 insurance in Scottsdale
If saving money is your primary concern, then the best way to get discount auto insurance rates in Scottsdale is to compare quotes once a year from insurers in Arizona. Prices can be compared by following these guidelines.
- Step 1: Read and learn about how insurance works and the modifications you can make to keep rates down. Many risk factors that result in higher prices like getting speeding tickets and a less-than-favorable credit score can be amended by improving your driving habits or financial responsibility.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies. Compare rates now
- Step 3: Compare the price quotes to your current policy and determine if cheaper Z4 coverage is available. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.
- Step 4: Notify your current company of your intention to cancel the current policy. Submit payment along with a signed and completed policy application to the new company. As soon as coverage is bound, put the certificate verifying coverage in a readily accessible location in your vehicle.
The key aspect of shopping around is to use similar deductibles and liability limits on every quote request and and to compare as many companies as possible. This ensures a fair price comparison and a complete rate analysis.
Additional insurance information is located at the links below
- Should I Buy a New or Used Car? (Allstate)
- What Insurance is Cheapest for Immigrants in Scottsdale? (FAQ)
- What Car Insurance is Cheapest for Uber Drivers in Scottsdale? (FAQ)
- Who Has Cheap Scottsdale Auto Insurance Quotes for Low Credit Scores? (FAQ)
- What Insurance is Cheapest for Lyft Drivers in Scottsdale? (FAQ)
- Who Has Cheap Scottsdale Car Insurance Quotes for Teenage Males? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Distracted Driving (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)