What is the cheapest way to insure a sports car?

I just financed a BMW Z4 Roadster and I'm looking to find full-coverage insurance for the best price possible.

Answer
“Nice choice! There are some steps you can take to make sure you get the best auto insurance rates for your new sports car.
Surprisingly, this starts at the dealership. Insurance premiums are lower for cars with high crash safety ratings.
Many modern sports cars, including the Z4, come standard with advanced driver assistance technologies. These systems are designed to mitigate or lessen the severity of injury due to an accident.
These systems include:
  • Adaptive cruise control
  • Frontal collision braking
  • Lane keep assist
  • Blind spot monitoring
  • Front and rear parking sensors
When you’re looking to buy a sports car, choosing a car with these features helps lower your car insurance premiums.
Aside from the car itself, you can positively affect your insurance rates if you practice safe driving habits. While there is temptation to speed in a sports car, avoiding speeding can help prevent speeding tickets (which do affect premiums) and make sure you don’t sustain serious injury or damage to your vehicle while driving.
Many insurance companies also offer discounts, such as:
  • completion of a defensive driving course
  • bundling home and auto
  • multiple cars on the same policy
If you want help finding cheap rates, try the Jerry app. Jerry inputs your vehicle details and gets the best car insurance quotes online for free.”
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Rachel Juillerat
Answered on Aug 26, 2021
Rachel Juillerat has her Master's in Publishing & Writing from Emerson College. You can view her work in the Independent, Cupid's Pulse, and the Penmen Review. She has worked in personal finance for five years before transitioning to insurance. She lives in Boston, where she spends her time exploring small New England towns, learning new skills, and napping through her cat's zoomies.
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