2007 BMW Z4 Insurance Rates

Average insurance rates for a 2007 BMW Z4 are $1,032 a year including full coverage. Comprehensive costs approximately $206, collision costs $288, and liability insurance costs $402. Buying a liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,216. Teenage drivers receive the highest rates at $3,972 a year or more.

Annual premium for full coverage: $1,032

Rate estimates for 2007 BMW Z4 Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2007 BMW Z4 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

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These differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Feel like you’re a prisoner to an overpriced car insurance policy? Trust us when we tell you many consumers feel financially strained by their car insurance policy.

Insurance companies such as State Farm and GEICO all claim big savings with fancy advertisements and it is difficult to see through the deception and take the time to shop coverage around.

You should make it a habit to check car insurance prices once or twice a year because rates trend upward over time. Even if you got the best price on Z4 insurance a year ago there is a good chance you can find better rates now. Don’t believe everything you read about car insurance on the web, but with this article, you’re going to get some of the best ways to reduce your car insurance bill.

Finding Car Insurance Deals

There are multiple methods to shop for 2007 BMW Z4 car insurance, but there is one way that is less time-consuming than others. You could waste a few hours talking about coverages with agents in your area, or you could save time and use online quotes to achieve your goal.

Most of the best insurance companies enroll in a system where insurance shoppers send in one quote, and every company then returns a price quote based on that data. This system prevents you from having to do repetitive form submissions for every car insurance company.

To access this free quoting program, click here to start a free quote.

The one downside to getting quotes like this is you don’t know exactly the companies to receive prices from. So if you prefer to pick specific providers to request quotes from, we put together a list of low cost car insurance companies in your area. Click here to view list.

Whichever way you use, make absolute certain that you use identical coverage limits with every price quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your BMW Z4. Just a small difference in coverage limits could mean much higher rates. Keep in mind that comparing a large number of companies helps locate lower pricing.

Which insurance is the “right” coverage?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation could use an agent’s help.

• What is an SR-22 filing?
• When should my teen driver be added to my policy?
• Am I covered if my car is in a flood?
• Is a new car covered when I drive it off the dealer lot?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Who is covered by my policy?
• Is my trailer covered?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Coverages available on your policy

Learning about specific coverages of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Uninsured and underinsured coverage – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2007 BMW Z4.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for rehabilitation expenses, pain medications, chiropractic care, dental work and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverages – This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, a tree branch falling on your vehicle and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – Liability coverage can cover damage or injury you incur to people or other property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like pain and suffering, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.