Save on BMW Z4 Insurance in Houston

Do you want to learn to get low-cost auto insurance rates in Houston, TX? Houston consumers have many options when looking for affordable BMW Z4 insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to compare rates.

There is a better way to shop for auto insurance so you’re going to learn the quickest way to quote coverages on a BMW and obtain the best price possible from Houston insurance agents and online providers.

Best BMW Z4 insurance prices in Texas

The companies in the list below can provide free rate quotes in Texas. If several companies are displayed, we recommend you click on several of them in order to get a fair rate comparison.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location which can influence coverage rates noticeably.

Physical damage deductible comparison

One common question asked by Houston drivers is what deductibles to buy. The comparison tables below can help show the difference in cost when you choose different physical damage deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in specific location information which can affect premiums greatly.

We can estimate from the data above that using a $100 deductible would cost the average driver about $49 more each month or $588 each year than buying the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 18 months between claim filings, you would most likely save money if you choose the higher deductible.

One big caveat is that raising deductibles to save money results in more money out-of-pocket if you have a claim. That will require enough extra savings in order to pay the deductible for vehicle repair.

How accidents and tickets impact rates

The example below illustrates how speeding tickets and at-fault collisions drive up BMW Z4 yearly insurance costs for different age groups. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

How to Lower Your Insurance Costs

An important part of buying insurance is that you know some of the factors that are used to determine your policy premiums. If you know what determines premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs. Multiple criteria are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving history, but some are less obvious like where you live or your commute time.

Shown below are some of the items used by your company to calculate premiums.

• Limits of liability coverage – A critical coverage on your policy, liability insurance kicks in when you are responsible for personal injury or accident damage. It will provide you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive as compared to coverage for physical damage, so do not skimp.
• High comp and collision deductibles reduce rates – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your BMW. Examples of some claims that would be covered would be a windshield shattered by a rock, vandalism, and burglary. The deductibles you choose define the amount you are willing to pay out-of-pocket in the event of a claim. The more damage repair cost you’re willing to pay, the lower your rates will be.
• Gender and car insurance prices – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that women are better drivers. Both genders tend to get into auto accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are several times more likely to be in an accident so they pay the highest premiums.
• An active auto insurance claims history can cost you more – Insurance companies in Texas give most affordable rates to drivers who are claim-free. If you file a lot of claims you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for claims that you cannot pay yourself.
• Having a spouse pays dividends – Being married may save some money on your policy. Marriage demonstrates that you tend to be more responsible it has been statistically shown that drivers who are married file infrequent claims.
• Better auto insurance rates for continuous auto insurance coverage – Driving your car without having proper coverage is a big no-no and auto insurance companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher premiums, not being able to provide proof of insurance may result in a revoked license or a big fine. You may then have to file a SR-22 with the Texas motor vehicle department.
• Does your occupation raise your prices? – Careers such as military generals, architects and emergency personnel have the highest rates due to high stress and extremely grueling work hours. On the flip side, occupations like scientists, historians and the unemployed get better rates.
• What type of car do you drive? – The performance of the car you are buying insurance for makes a substantial difference in the rate you pay. Since the BMW Z4 is classified as a luxury sports car, rates will be up to twice as much compared to average rates in Houston. Small economy passenger vehicles usually have the lowest premiums, but the final cost of insurance is determined by many other factors.
• BMW Z4 claim statistics – Insurance companies factor in insurance loss information in order to profitably underwrite each model. Vehicles that the statistics show to have higher claim amounts or frequency will have higher premium rates. The next table illustrates the loss history for BMW Z4 vehicles.

  For each policy coverage, the statistical loss for all vehicles, regardless of make, model or trim level, is represented as 100. Values that are under 100 suggest losses that are better than average, while values that are above 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.

  Insurance Loss Ratings for BMW Z4 Vehicles

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  BMW Z4 Convertible	131	67	78

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheap BMW Z4 insurance in Houston

The cost of insuring your cars can be expensive, but there could be significant discounts that many people don’t even know exist. Some discounts apply automatically when you get a quote, but a few must be requested specifically prior to getting the savings. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

• E-sign Discounts – Many insurance companies will discount your bill up to fifty bucks for completing your application over the internet.
• 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates.
• Defensive Driving Course – Taking part in a course that instructs on driving safety could cut 5% off your bill if you qualify.
• Own a Home – Owning a house in Houston can get you a discount because of the fact that having a home is proof of financial responsibility.
• No Claim Discounts – Good drivers with no accidents have much lower rates when compared with drivers who are more careless.
• Federal Employees – Active or former government employment could provide a small rate reduction with a few insurance companies.
• Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
• Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you may earn at least 10% off all policies.
• Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates than less cautious drivers.
• Telematics Discount – Policyholders that allow driving data collection to spy on when and where they use their vehicle remotely such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they are good drivers.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of companies and their offered discounts are:

• AAA may have discounts that include AAA membership discount, multi-policy, anti-theft, education and occupation, good student, multi-car, and good driver.
• Progressive has discounts for online signing, homeowner, multi-vehicle, online quote discount, good student, multi-policy, and continuous coverage.
• State Farm discounts include accident-free, student away at school, defensive driving training, good student, anti-theft, safe vehicle, and passive restraint.
• Esurance offers discounts including defensive driver, online quote, multi-policy, good student, online shopper, and good driver.
• Nationwide offers discounts for good student, easy pay, family plan, anti-theft, and accident-free.

When getting a coverage quote, ask every insurance company how you can save money. Discounts may not apply in Houston.

Can’t I compare rate quotes from local Houston insurance agents?

Many people would prefer to get advice from a local agent and doing that can be a smart decision Experienced insurance agents are highly skilled in risk management and help in the event of a claim. One of the great benefits of comparing insurance prices online is the fact that you can find better rates and also buy local. And supporting neighborhood agents is especially important in Houston.

For easy comparison, once you complete this form (opens in new window), your insurance coverage information is immediately sent to insurance agents in Houston who will give you bids for your car insurance coverage. You won’t need to contact any insurance agencies as quotes are delivered to you instantly. In the event you want to compare prices from a specific insurance company, just search and find their rate quote page to submit a rate quote request.

The following is a short list of auto insurance companies in Houston who can help you get price quote information for BMW Z4 insurance in Houston.

• Texas Prime Insurance Agency, LLC
  6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000 – View Map
• Sean Wong – State Farm Insurance Agent
  7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map
• Texas Insurance Agency
  719 Shotwell St – Houston, TX 77026 – (713) 675-2626 – View Map
• Anna Santa Ana – State Farm Insurance Agent
  7710 Cherry Park Dr d – Houston, TX 77095 – (281) 550-0333 – View Map

View more Houston agents

Finding the right company should include more criteria than just a cheap quote. Here are some questions you might want to ask.

• Can you contact them at any time?
• Can you get a list of referrals?
• Are there any discounts for paying up front?
• Does the agency provide any after hours assistance?
• Does the quote include credit and driving reports?
• When do they do policy reviews?
• Is coverage determined by price?
• Do you need full coverage on every vehicle?

When should I discuss my situation with an agent?

When quoting and comparing proper insurance coverage for your personal vehicles, there really isn’t a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

• What exactly is covered by my policy?
• Do I need an umbrella policy?
• Does rental coverage apply when I am renting a car?
• How can I get the company to pay a claim?
• Am I covered if I have no license?
• Do I need higher collision deductibles?
• What if I total my BMW Z4 and owe more than it’s worth?
• Am I covered when pulling a rental trailer?
• What does PIP insurance cover?
• Why is insurance for a teen driver so high in Houston?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

One last thing about your coverage

Drivers leave their current company for a number of reasons such as questionable increases in premium, denial of a claim, not issuing a premium refund and delays in responding to claim requests. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

We just presented many ways to lower your BMW Z4 insurance prices in Houston. The key concept to understand is the more you quote Houston auto insurance, the higher the chance of saving money. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising.

Cheap BMW Z4 insurance in Houston is possible on the web and also from your neighborhood Houston agents, and you need to price shop both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent agencies.

More tips and info about auto insurance can be found by following these links:

• Things to Know Before you Cancel Insurance (Allstate)
• How Much are Car Insurance Quotes for Business Use in Houston? (FAQ)
• Who Has Affordable Houston Auto Insurance for a Subaru Outback? (FAQ)
• Insuring a Leased Car (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)