Want a free price quotes on cheaper car insurance rates in Dallas, TX? Dallas shoppers have lots of choices when shopping for affordable BMW Z4 insurance. They can either waste time contacting agents getting price quotes or save time using the internet to find the lowest rates.
There are more efficient ways to buy car insurance and we’ll show you the quickest way to price shop coverage for your BMW and locate the best price possible from both online companies and Dallas agents.
It is always a good idea to compare rates once or twice a year because insurance rates go up and down regularly. Just because you had the lowest premium rates on BMW Z4 insurance in Dallas a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the only way to buy cheaper BMW Z4 insurance in Dallas.
Companies offering BMW Z4 insurance in Texas
The companies shown below provide free rate quotes in Texas. If several companies are displayed, we recommend you get rates from several of them to get the best price comparison.
BMW Z4 insurance charts and tables
The coverage information displayed below covers a range of insurance rates for BMW Z4 models. Learning a little about how policy premiums are established can help guide drivers when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $370 | $672 | $324 | $20 | $96 | $1,482 | $124 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $370 | $672 | $324 | $20 | $96 | $1,482 | $124 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in garaging location in Dallas which can modify rates significantly.
Policy deductibles
One common question asked by Dallas drivers is what deductibles to buy. The following tables may help to illustrate the difference in cost when you select higher and lower policy deductibles. The first data set uses a $250 deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $300 | $542 | $324 | $20 | $96 | $1,282 | $107 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $300 | $542 | $324 | $20 | $96 | $1,282 | $107 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in your specific Dallas location which can increase or decrease premiums substantially.
We can estimate from the data above that using a $250 deductible will cost you about $19 more each month or $228 a year averaged for all Z4 models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go at least 13 months between claims, you would save money if you decide on a higher deductible.
The information below demonstrates how deductible levels and can impact BMW Z4 annual premium costs for each age group. The price estimates are based on a married male driver, comp and collision included, and no discounts are applied.
Rate comparison of full coverage and liability-only
The diagram below compares BMW Z4 car insurance rates when comparing full coverage to liability only. The price estimates are based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied.
When to stop buying full coverage
There isn’t a written rule for dropping comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s assume your BMW Z4 claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after you pay the deductible. If it’s costing in excess of $700 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some situations where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Affordable rates by taking advantage of discounts
Insuring your vehicles can cost a lot, but there could be available discounts that can dramatically reduce your bill. Certain discounts will be applied at the time you complete a quote, but some discounts are required to be asked about before being credited.
- Discount for Multiple Policies – When you have multiple policies with the same company you will save at least 10 to 15 percent or more.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
- Buy New and Save – Buying a new car model can save up to 30% because new vehicles have to meet stringent safety requirements.
- Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% depending on your insurance provider.
- Anti-theft System – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a Dallas auto insurance quote.
- Telematics Data – Drivers that enable data collection to track vehicle usage remotely such as State Farm’s In-Drive might get better premium rates if they have good driving habits.
- Senior Discount – Drivers that qualify as senior citizens may qualify for a slight reduction on a Dallas auto insurance quote.
- Good Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less than their less cautious counterparts.
- Low Mileage – Fewer annual miles on your BMW may allow you to get substantially lower prices.
- Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, you’re out of luck.
The chart below shows the difference between BMW Z4 auto insurance rates with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, homeowner, and marriage discounts applied.
Larger insurance companies and their offered discounts can be read below.
- GEICO may include discounts for air bags, anti-theft, emergency military deployment, daytime running lights, and membership and employees.
- Travelers policyholders can earn discounts including hybrid/electric vehicle, IntelliDrive, save driver, new car, good student, and driver training.
- Nationwide has savings for easy pay, business or organization, accident-free, multi-policy, and good student.
- Farmers Insurance discounts include good student, homeowner, mature driver, youthful driver, early shopping, and pay in full.
- Esurance has discounts for homeowner, good student, online quote, multi-policy, emergency road assistance, and Pac-12 alumni.
- State Farm includes discounts for safe vehicle, multiple autos, student away at school, multiple policy, defensive driving training, and Steer Clear safe driver discount.
- Progressive may offer discounts for homeowner, good student, continuous coverage, online quote discount, online signing, multi-policy, and multi-vehicle.
- Mercury Insurance offers premium reductions for good student, good driver, multi-car, age of vehicle, location of vehicle, professional/association, and ease of repair.
If you need affordable BMW Z4 insurance quotes, ask all companies you are considering which discounts you may be entitled to. Savings may not apply to policies in your state. To view companies who offer insurance discounts in Texas, click here.
Local Dallas insurance agencies and auto insurance
Some consumers just want to buy from a local agent and that is a personal choice. Good agents are trained risk managers and give you someone to call. A good thing about comparing auto insurance online is that you can obtain lower rates and still have an agent to talk to. Supporting neighborhood agents is still important in Dallas.
Upon completion of this simple form, the coverage information is sent to participating agents in Dallas that can provide free Dallas auto insurance quotes to get your business. There is no need to leave your computer since price quotes are sent to you directly. If for some reason you want to get a price quote for a specific company, feel free to navigate to their website and submit a quote form there.
When looking for a local insurance agency, you need to know there are two types of agencies from which to choose. Agents are classified as either exclusive agents or independent agents. Either one can sell affordable auto insurance policies, but it is a good idea to know the difference in the companies they write for since it could factor into your agent selection.
Independent Agents (or Brokers)
Independent insurance agents do not write with just one company so as a result can place your coverage with any number of different companies and find you cheaper rates. If premiums increase, they simply move your policy to a different company and you don’t have to do anything.
When comparing auto insurance rates, you should always check rates from several independent agencies to have the best price comparison. Most also write with additional companies that you may not be familiar with which could offer lower prices.
Shown below are Dallas independent agencies who may be able to give you free auto insurance rate quotes.
- Eves Insurance Agency
1318 Pioneer Dr – Dallas, TX 75224 – (214) 941-1300 – View Map - Frederiksen and Frederiksen Insurance
12900 Preston Rd #500 – Dallas, TX 75230 – (972) 387-8646 – View Map - Porter-Brandenburg Agency
12160 Abrams Rd – Dallas, TX 75243 – (972) 234-5588 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only quote rates from one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. They are usually quite knowledgeable on what they offer which helps them compete with independent agents. Many people purchase coverage from exclusives primarily because of the brand rather than low rates.
The following are exclusive agents in Dallas that are able to give rate quotes.
- Earl Gordon – State Farm Insurance Agent
7605 McCallum Blvd – Dallas, TX 75252 – (972) 407-9995 – View Map - Dan Stanton – State Farm Insurance Agent
3767 Forest Ln #107 – Dallas, TX 75244 – (972) 243-8894 – View Map - Scott Beseda – State Farm Insurance Agent
4411 Lemmon Ave #203 – Dallas, TX 75219 – (214) 219-6610 – View Map
Finding the right auto insurance agent should depend on more than just a cheap price quote. These questions are important to ask:
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Who is covered by the car insurance policy?
- How many years have they been established?
- Will high miles depreciate repair valuations?
- How would your car be valued if totaled?
- Where are claims handled?
- Do the companies they represent have a solid financial rating?
- Does the agent recommend any additional coverage?
Smart consumers save more
Drivers who switch companies do it for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, poor customer service or high prices. It doesn’t matter why you want to switch choosing a new company is actually quite simple.
Some companies don’t offer price quotes online and many times these regional carriers only sell through local independent agencies. Lower-priced auto insurance in Dallas can be found from both online companies and also from your neighborhood Dallas agents, so you should be comparing quotes from both to have the best selection.
When getting Dallas auto insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at the best price, but do not sacrifice coverage to save money.
Steps to finding cheaper quotes for BMW Z4 insurance in Dallas
If you want to save money, the best way to find cheaper quotes for BMW Z4 insurance in Dallas is to regularly compare quotes from insurance carriers that insure vehicles in Texas. This can be done by following these steps.
Step 1: Get a basic knowledge of what is in your policy and the things you can control to prevent high rates. Many policy risk factors that result in higher prices such as careless driving and a low credit score can be amended by making minor changes to your lifestyle.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
Step 3: Compare the quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.
The most important part of shopping around is that you’ll want to compare similar deductibles and liability limits on each quote request and and to get rates from as many different companies as possible. Doing this ensures a level playing field and a complete selection of prices.
To read more, take a look at these articles:
- Prom Night Tips for Teen Drivers (State Farm)
- How Much are Car Insurance Quotes for Police Officers in Dallas? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Sentra in Dallas? (FAQ)
- What Car Insurance is Cheapest for Single Moms in Dallas? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Airbag FAQ (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Institute)