How many times have you put off comparing quotes for more competitive auto insurance rates in Chula Vista, CA? Chula Vista consumers have lots of choices when looking for low-cost BMW Z4 insurance. You can either waste hours contacting agents to compare prices or save time using the internet to make rate comparisons. There are more efficient ways to find auto insurance online so you’re going to learn the quickest way to get price quotes for a new or used BMW and locate the cheapest rates from both online companies and Chula Vista agents.
You should make it a habit to compare prices at least once a year since prices trend upward over time. Just because you had the best deal on BMW Z4 insurance in Chula Vista six months ago there is a good chance you can find better premium rates now. Block out anything you think you know about auto insurance because you’re about to learn the right way to save money, get proper deductibles and limits, all at the lowest rate.
If you’re already insured or just want a better rate, you can use this information to shop for the lowest rates and possibly find even better coverage. Our objective is to teach you a little about how to compare rates easily and how to save the most money. Smart buyers just need to use the quickest way to compare prices using one simple form.
Which BMW Z4 insurance is cheapest in Chula Vista, CA?
Most companies such as State Farm and Allstate make it easy to get insurance quotes on their websites. Comparing BMW Z4 insurance rates online is quite easy as you simply enter your personal and coverage information as requested by the quote form. After you submit the form the quote system makes automated requests for your driving record and credit report and gives you a price quote based on many factors.
Being able to quote online for BMW Z4 insurance in Chula Vista helps simplify price comparisons, and it’s also necessary to have as many quotes as possible in order to find affordable rates.
If you want to fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you have a policy now, it’s recommended you replicate the coverage information exactly as they are listed on your policy. This guarantees you will have a fair comparison using the same coverage and limits.
The providers in the list below provide quotes in Chula Vista, CA. If your goal is to find the best cheap auto insurance in Chula Vista, CA, we suggest you visit as many as you can to get the best price comparison.
Detailed insurance information
The premium information shown next covers different rate quotes for BMW Z4 models. Having a better idea how auto insurance prices are calculated can help customers make smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Z4 3.0I SDRIVE 2-Dr Roadster||$228||$482||$424||$26||$128||$1,288||$107|
|Z4 3.5I SDRIVE 2-Dr Roadster||$228||$482||$424||$26||$128||$1,288||$107|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in garaging location in Chula Vista which can impact premium rates substantially.
Should you buy full coverage?
The chart below illustrates the difference between BMW Z4 insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no accidents, no driving violations, $250 deductibles, single status, and no additional discounts are factored in.
When to stop buying full coverage
There is no definitive formula to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s assume your BMW Z4 book value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying over $200 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Why you need quality insurance for your BMW Z4
Despite the high insurance cost for a BMW Z4 in Chula Vista, paying for insurance may not be optional for several reasons.
- Just about all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your BMW has a loan, most lenders will make it mandatory that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your BMW at an extremely high rate and force you to pay for the expensive policy.
- Insurance protects not only your BMW but also your assets. It also can pay for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your BMW gets damaged, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your car are definitely more than the cost, especially with large liability claims. The average driver in America is wasting up to $865 each year so we recommend shopping around at least once a year to be sure current rates are still competitive.
Get BMW Z4 Insurance Cheaper
Many things are used in the calculation when pricing auto insurance. Most are fairly basic like your driving record, but other criteria are less apparent like your vehicle usage or your commute time. Part of the car insurance buying process is learning the different types of things that help determine the price you pay for car insurance. When consumers understand what determines base rates, this helps enable you to make changes that can help you get big savings.
- Raise your comp and collision deductibles for better costs – Physical damage insurance, aka comp and collision, covers your vehicle from damage. Some instances where coverage would apply are running into the backend of another car, vandalism, and damage from a fallen tree branch. Your deductibles define the amount you are required to spend before a claim is paid by your company. The more expense you have to pay, the less money you will pay for car insurance.
- Rate your vehicle for proper use – The more you drive in a year’s time the higher your rates will be. Most companies price each vehicle’s coverage based upon how much you drive. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. It’s a smart idea to ensure your car insurance policy is rated on annual mileage. Improper usage on your Z4 is just wasting money.
Your gender affects premiums – Statistics show that females tend to be a little less risky than males. However, this does not mean females are better at driving than males. Both genders cause at-fault accidents at a similar rate, but men cause more damage. Men also tend to get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure so it costs more to insure them.
The information below shows the difference between BMW Z4 insurance rates for male and female drivers. The data is based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
- Multiple policies with one company – Most larger insurance companies apply discounts to customers who buy several policies from them such as combining an auto and homeowners policy. This can amount to as much as ten percent or more Even with this discount, consumers should still get quotes from other companies to help guarantee you have the best rates.
Premiums increase with driving tickets – Being a careful driver impacts premiums far more than you think. Having just one moving violation can increase rates to the point where it’s not affordable. Drivers who don’t get tickets pay less for auto insurance than bad drivers. Drivers unfortunate enough to have severe violations such as reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent their license from being revoked.
The information below shows how violations and at-fault fender-benders can affect BMW Z4 insurance costs for different age groups. The data assumes a married male driver, full coverage, $100 deductibles, and no discounts are applied.
Insurance loss statistics a BMW Z4 – Insurers include the past claim history for a vehicle to determine a rate that will be profitable for them. Models that historically have higher frequency or amount of claims will have higher premium rates.
The table below illustrates the compiled insurance loss statistics for BMW Z4 vehicles. For each coverage type, the claim amount for all vehicles, as an average, is equal to 100. Numbers that are below 100 indicate a favorable loss history, while values that are above 100 point to more claims or an increased probability of a larger loss.
BMW Z4 Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury BMW Z4 Convertible 131 67 78BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Do you qualify for discounts on BMW Z4 insurance in Chula Vista?
Car insurance companies don’t always list every policy discount very well, so the next list breaks down a few of the more common and also the lesser-known discounts you could be receiving when you buy Chula Vista car insurance online.
- Telematics Data – Chula Vista drivers who agree to allow their insurance company to analyze driving manner by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if their driving habits are good.
- Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
- Good Student – This discount may save you up to 25%. The good student discount can last up to age 25.
- Online Discount – Certain insurance companies may give you up to $50 get Chula Vista car insurance on the internet.
- Early Switch Discount – Some companies give discounts for signing up before your current expiration date. You can save around 10% with this discount.
- ABS Braking Discount – Cars and trucks equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
- Discount for Low Mileage – Driving fewer miles may allow you to get better prices on cars that stay parked.
- Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote Chula Vista car insurance depending on your company.
Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic.
The illustration below compares BMW Z4 insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, multi-car, safe-driver, and claim-free discounts applied.
A list of companies and their possible discounts include:
- GEICO policyholders can earn discounts including multi-vehicle, anti-lock brakes, multi-policy, anti-theft, five-year accident-free, military active duty, and federal employee.
- MetLife includes discounts for accident-free, defensive driver, good driver, good student, multi-policy, claim-free
- Progressive may have discounts that include continuous coverage, online quote discount, homeowner, multi-policy, multi-vehicle, online signing, and good student.
- Travelers has discounts for student away at school, home ownership, early quote, hybrid/electric vehicle, and continuous insurance.
- SAFECO offers discounts for drive less, safe driver, teen safe driver, bundle discounts, teen safety rewards, anti-theft, and homeowner.
- AAA has savings for anti-theft, good driver, pay-in-full, multi-policy, AAA membership discount, and education and occupation.
When quoting, ask each company or agent what discounts are available to you. Some credits may not apply in Chula Vista. To locate auto insurance companies that provide some of the discounts listed above in Chula Vista, click here to view.
Compare rate quotes but buy from a local Chula Vista insurance agency
Some people still like to buy from a licensed agent and that is a personal choice. Good agents are very good at helping people manage risk and help in the event of a claim. The biggest benefit of getting online price quotes is the fact that you can find better rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), your information is instantly submitted to local insurance agents that give free quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any insurance agencies because prices are sent to the email address you provide. If you have a need to get a price quote from one company in particular, you just need to search and find their rate quote page and submit a quote form there.
Deciding on an insurer needs to be determined by more than just the bottom line cost. These are some questions you should get answers to.
- Do they review policy coverages at every renewal?
- Are they involved in claim handling?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is the coverage adequate for your vehicle?
- Are they able to provide referrals?
Independent or Exclusive: It’s your choice
When narrowing the list to find a local insurance agency, you need to know there are two types of insurance agents and how they differ in how they quote coverages. Car insurance agencies may be either independent or exclusive depending on the company they work for. Either one can properly insure your vehicles, but it’s a good idea to understand the difference between them since it can impact the kind of agent you use.
Agents that elect to be exclusive are contracted to one company such as Allstate, State Farm and Farm Bureau. They generally cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agencies are trained well on what they offer which helps them sell on service rather than price. Drivers often choose to use a exclusive agent mainly due to the brand name instead of buying on price only.
Listed below is a list of exclusive agencies in Chula Vista who may provide you with price quote information.
- Farmers Insurance – Charles Phillips
642 3rd Ave a – Chula Vista, CA 91910 – (619) 585-3484 – View Map
- Allstate Insurance: Alfredo Contreras
2318 Proctor Valley Rd #102 – Chula Vista, CA 91914 – (619) 505-2040 – View Map
- Bernardo Vasquez – State Farm Insurance Agent
460 3rd Ave a – Chula Vista, CA 91910 – (619) 425-6560 – View Map
Independent agencies are not required to write business for one company so they can insure your vehicles through many companies and find you cheaper rates. If prices rise, they simply switch companies in-house which requires no work on your part.
When comparing rate quotes, you definitely need to include multiple independent agents in order to have the best price comparison. Many independent agencies also insure through lesser-known insurance companies that may provide cheaper car insurance rates.
Below are independent agencies in Chula Vista who can help you get price quote information.
- California Brokerage Insurance
355 K St – Chula Vista, CA 91911 – (619) 420-8888 – View Map
- Cordova Insurance Agency, Inc.
2260 Main St #8 – Chula Vista, CA 91911 – (619) 585-3470 – View Map
- Eastlake Insurance Services
884 Eastlake Pkwy # 1626 – Chula Vista, CA 91914 – (619) 216-6100 – View Map
California car insurance company ratings
Buying coverage from a good quality company is hard considering how many different companies there are to choose from in Chula Vista. The company rank data shown next may help you analyze which car insurance providers you want to consider comparing prices from.
Top 10 Chula Vista Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Top 10 Chula Vista Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Quote more and you will save more
Drivers who switch companies do it for a variety of reasons including denial of a claim, questionable increases in premium, delays in responding to claim requests or even policy cancellation. It doesn’t matter why you want to switch switching insurance companies is not as difficult as it may seem.
Throughout this article, we presented a lot of techniques to compare BMW Z4 insurance prices in Chula Vista. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may even discover the lowest prices are with some of the smallest insurance companies.
As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an insured cut full coverage only to find out they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.
How to find affordable quotes for BMW Z4 insurance in Chula Vista
To save the most money, the best way to find more affordable auto insurance rates in Chula Vista is to do a yearly price comparison from companies who sell insurance in California. Rates can be compared by following these guidelines.
- Take a few minutes and learn about how companies set rates and the steps you can take to keep rates low. Many factors that result in higher rates such as speeding tickets, careless driving and a poor credit score can be remedied by paying attention to minor details.
- Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while independent agencies can give you price quotes for a wide range of companies.
- Compare the new quotes to your current policy and see if you can save money. If you can save money, ensure there is no coverage lapse between policies.
One thing to remember is that you’ll want to make sure you compare identical coverages on every price quote and and to get price estimates from as many companies as possible. This provides a fair price comparison and a thorough price selection.
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has Cheap Chula Vista Auto Insurance for a Honda Civic? (FAQ)
- How Much are Car Insurance Quotes for a Chevrolet Equinox in Chula Vista? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Teen Driver Licensing Information (iihs.org)
- Insurance losses by make and model (Insurance Institute for Highway Safety)