Searching for cheaper auto insurance rates in Atlanta, GA? Atlanta shoppers have a choice when shopping for affordable BMW Z4 insurance. You can either waste hours calling around trying to get quotes or use the internet to make rate comparisons. There are more efficient ways to buy auto insurance and we’ll show you the proper way to quote coverages for a new or used BMW and find the cheapest rates from both online companies and Atlanta agents.
It’s important to compare rates before your next renewal because insurance prices fluctuate regularly. If you had the best rate on BMW Z4 insurance in Atlanta on your last policy there may be better deals available now. There is a lot of bad advice regarding Z4 insurance on the internet, but in this article, you’re going to get some good information on how to buy auto insurance cheaper in Atlanta.
Best companies for BMW Z4 insurance
The car insurance companies shown below can provide free rate quotes in Atlanta, GA. If multiple providers are shown, we suggest you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $366 | $786 | $434 | $26 | $130 | $1,742 | $145 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $304 | $644 | $404 | $24 | $122 | $1,498 | $125 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in zip code location which can change auto insurance rates greatly.
An analysis of deductible level
When buying car insurance, a common question is where should you set your physical damage deductibles. The comparisons below can help you visualize the price difference between high and low insurance deductibles. The first rate table uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Z4 3.0I SDRIVE 2-Dr Roadster | $426 | $830 | $334 | $20 | $100 | $1,735 | $145 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $426 | $830 | $334 | $20 | $100 | $1,735 | $145 |
| 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 | $438 | $334 | $20 | $100 | $1,128 | $94 |
| Z4 3.5I SDRIVE 2-Dr Roadster | $236 | $438 | $334 | $20 | $100 | $1,128 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in specific Atlanta garaging location which can alter prices significantly.
Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $51 more each month or $612 annually than choosing the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 18 months between claim filings, you would save more money going with the higher deductible.
Calculate deductible break even point
| Average monthly premium for $100 deductibles: | $145 |
| Average monthly premium for $1,000 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $51 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $51 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One big caveat is that a higher deductible level means you will have to pay more out-of-pocket when you have a physical damage claim. You need some savings in the event you have to pay the higher deductible in order to repair your vehicle.
Impact of speeding/accidents on Atlanta car insurance rates
The example below shows how speeding tickets and at-fault claims drive up BMW Z4 auto insurance rates for different ages of insureds. The information is based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
Where to set your deductibles
The chart below shows how choosing a deductible and can influence BMW Z4 insurance costs for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Get cheap rates on BMW Z4 insurance in Atlanta with these car insurance discounts
Companies that sell car insurance do not advertise every policy discount very clearly, so we researched some of the best known as well as the least known credits available to bring down your rates. If you do not double check each discount available, you are paying more than you should be.
- Own a Home – Simply owning a home can save a few bucks since home ownership is proof of financial responsibility.
- Auto/Home Discount – If you have multiple policies with one insurance company you will save nearly 15% which can help you find inexpensive BMW Z4 insurance in Atlanta.
- Early Signing – Some larger companies provide a discount for buying a policy before your current coverage expires. You may see this discount when you get Atlanta auto insurance quotes online.
- Student Discount for Driver Training – Have your child complete a driver education course if it’s offered in school.
- Use Seat Belts – Requiring all passengers to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
- Theft Deterrent Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more on Z4 insurance in Atlanta.
- Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small decrease in premiums.
We need to note that some of the credits will not apply to the whole policy. Some only reduce individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts should definitely cut your policy premiums.
Car insurance companies that possibly offer these benefits include:
If you need affordable Atlanta auto insurance quotes, ask each company what discounts are available to you. Some credits may not be offered in Atlanta. For a list of companies with discount rates in Georgia, click here to view.
When should I get advice from an insurance agency?
Certain consumers still like to talk to a local agent and that is just fine! Most agents can answer important questions and help in the event of a claim. A good thing about price shopping on the web is the fact that you can find cheap auto insurance quotes and also buy local.
After completing this short form, your information is instantly submitted to local insurance agents who want to provide quotes and help you find cheaper coverage. You never need to contact any insurance agencies because prices are sent directly to your email. In the event you want to compare prices from a particular provider, you can always visit that company’s website and fill out the quote form the provide.
Deciding on an insurer should depend on more than just a cheap quote. Agents should be asked these questions:
- Do they make recommendations based only on price?
- Do you qualify for any additional discounts?
- Do you need full coverage on every vehicle?
- How would your car be valued if totalled?
- Is every driver in your family covered?
- What kind of financial rating does the company have?
- Does the agent have a valid license to sell insurance in Georgia?
- Will the quote change when the policy is issued?
If you need to find a good insurance agency, you need to know there are two types of insurance agents to choose from. Auto insurance policy providers are categorized either exclusive or independent. Both types can properly insure your vehicles, but it’s worth learning the difference in how they write coverage because it can factor into which agent you choose.
Exclusive Agents
Agents of this type work for only one company and some examples include Farmers Insurance, State Farm, or Allstate. They usually cannot place coverage with different providers so keep that in mind. They are trained well on their products and sales techniques which helps them sell on service rather than price. Consumers sometimes use the same agent primarily because of high brand loyalty and strong financial ratings.
The following is a list of exclusive agencies in Atlanta who may provide you with price quotes.
- Dana Shivalier – State Farm Insurance Agent
1544 Piedmont Ave NE #107 – Atlanta, GA 30324 – (404) 892-0101 – View Map - Barry Domangue – State Farm Insurance Agent
1355 Peachtree St NE Ste 103 – Atlanta, GA 30309 – (404) 853-3772 – View Map - Allstate Insurance: Douglas Hollis
2195 Fairburn Rd SW – Atlanta, GA 30331 – (404) 629-1510 – View Map
Independent Agencies or Brokers
Independent agencies do not sell for just one brand so they can quote policies through many companies and find you cheaper rates. If your premiums go up, your policy is moved internally and you stay with the same agent. When comparing auto insurance rates, you will definitely want to contact a couple of independent agencies to maximize your price options. Many independent agencies also insure through smaller companies which can save you money.
Below is a list of independent agents in Atlanta that are able to give rate quotes.
- Access General Agency Inc
1627 Peachtree St NE – Atlanta, GA 30309 – (404) 817-9744 – View Map - Siegel Insurance
2987 Clairmont Rd #425 – Atlanta, GA 30329 – (404) 633-6332 – View Map - Morris and Templeton Insurance
3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
After you get satisfactory answers to any questions you may have and an acceptable price quote, it’s a good possibility that you have found an auto insurance agent that meets the criteria to provide auto insurance coverage.
Persistence is the key to cheaper rates
Consumers change insurance companies for a variety of reasons including delays in paying claims, lack of trust in their agent, high prices or even delays in responding to claim requests. Whatever your reason, finding a new car insurance company can be less work than you think.
When you buy Atlanta auto insurance online, do not skimp on critical coverages to save a buck or two. Too many times, an insured cut liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. Your objective should be to get the best coverage possible at a price you can afford while still protecting your assets.
Cheap BMW Z4 insurance in Atlanta is available both online in addition to many Atlanta insurance agents, so get free Atlanta auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not have online quoting and these regional insurance providers only sell coverage through local independent agencies.
For more information, feel free to browse the articles below:
- All About Airbag Safety (State Farm)
- Who Has the Cheapest Atlanta Auto Insurance for Real Estate Agents? (FAQ)
- Who Has Affordable Atlanta Auto Insurance for a Jeep Grand Cherokee? (FAQ)
- How Much are Atlanta Auto Insurance Quotes for First-time Drivers? (FAQ)
- How Much is Atlanta Car Insurance for a Chevrolet Silverado? (FAQ)
- Who Has Affordable Atlanta Car Insurance for Drivers Under 21? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)