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Nobody enjoys going through the painful, expensive process of shopping around for a good deal on your car insurance. This can be especially tedious if you’re driving a luxury car like a BMW M4. But don’t worry – just because your vehicle is luxurious and expensive, doesn’t mean your insurance policy has to be. Here at AutoInsuranceEZ.com, we’re the experts at helping people like you find top-tier car insurance policies at bargain-bin prices. Just keep reading to learn more.
The BMW M4 is very similar in design to those models in the BMW 4 Series. However, the “M” in M4 may very well stand for “more”: a more powerful and responsive engine; better breaking, handling, and suspension systems; and more luxury inside and out (compared to the BMW 4 Series, that is). The M4 has been available to consumers since late winter of 2014 and comes in both coupe and convertible body styles. Newer models of the BMW M4 series start with an MSRP of $67,000; used vehicles should be a little bit less expensive, however.
For those who like the race car driver feel of the BMW M4 GTS, but can’t afford the price tag, the upcoming 2018 BMW M4 CS may be your next best option. The engine is getting a makeover, bumping it up to 454 HP, which is 29 above a regular M4 Coupe and at least 10 horsepower stronger than its closest competition. Estimates calculate this vehicle will be able to go from 0 to 60 in just under 4 seconds. It seems as though the upcoming BMW M4 models are catering to those who have a need for speed at a relatively affordable price point.
Odds are that if you’re spending $70,000 or more on a luxury vehicle, you’re probably not living in an area with high rates of theft or vandalism. These factors can help reduce the overall monthly premium on your BMW M4 auto insurance. However, population and rates of accidents in your area – although these are not factors you can personally control – will also influence your monthly rate. The higher the population, the more frequent the accidents are, and the worse the rush hour traffic is in your ZIP code, the more likely you are too see higher premium quotes.
Just like you won’t get the same quote for your BMW M4 auto insurance from one area to another, you’re not going to see similar quotes between different insurance agencies, either. Some companies would rather cover moderately priced vehicles, and we’ll end up charging you more for your coverage. Other companies may take a liking to you since people who can afford luxury vehicles usually come with good credit scores and a long history of financial stability – both of which can get you discounts on your premiums. This is one of many reasons why it’s important to compare quotes between different insurance providers before you make a final decision.
It’s probably safe to say that if you own, or are interested in purchasing a vehicle that can go from 0 to 60 in 3.8 Seconds, you may not exactly obey speed limit signs too often. Yes, fast cars are fun – but if you have several previous speeding violations, or if you happen to collect any in the future, it may be more difficult to get an affordable premium. At the very least, you’ll be missing out on a safe driver discount. In a worst-case scenario, you may be charged exceptionally higher premiums because your insurance company may consider you to be an exceptionally risky driver.
Drivers who are looking for a great deal on their bmw m4 car insurance may feel like they’re fighting an uphill battle – and for most owners, that assumption may be very close to the truth. However, there are always ways to save. Shopping around is one of the quickest and easiest things you can do to lower your premiums right now. In just 5 minutes or less, you can compare quotes from multiple different carriers and save up to 42% or more off your premiums today. Why not give it a shot?