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E85 / E86 Z4 (2003-2008)
E85 Z4 Roadster, E86 Z4 Coupe, E85 Z4 M Roadster, and E86 Z4 M Coupe talk with our BMW gurus here.

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  #1  
Old 10-31-2012, 07:28 AM
Rainman519 Rainman519 is offline
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Location: Ohio
 
Join Date: Mar 2011
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Mein Auto: 328i Coupe
Z4 Winter Storage - Insurance

Some of this may be common knowledge, but I just learned something that I thought I'd pass on. When storing the Z for the Winter, I suspend the liability/collision portion of my insurance and keep the comprehensive active. My ins agent told me that by increasing the deductible to the highest allowable amount, that further reduces the premium for the period of storage. The risk is that if anything happens while in storage (somehow it gets scratched etc) then you're stuck paying the higher deductible...or waiting for Spring to report it. Might not be for everyone, but at least it's another option to save a few bucks.
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Old 10-31-2012, 08:17 AM
Mikey48 Mikey48 is offline
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Mein Auto: BMW Z4 3.0
Thank you !!
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Old 11-07-2012, 02:03 PM
jman1975 jman1975 is offline
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for those that have USAA, they have this option available via the website, called "store a vehicle"
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Old 11-10-2012, 04:53 AM
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Pinecone Pinecone is offline
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HOw does this work in states with required liability insurance? In MD< if you drop liability, they come after you for the plates.
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Old 11-10-2012, 06:19 AM
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GeorgeT GeorgeT is offline
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Mein Auto: '07 750i BMW; '03 Z4 BMW
If you really want to save on insurance, investigate a policy with Hagerty. The will insure newer sports and specialty cars with an agreed upon value for much less than conventional carriers. I have full coverage with extended liability limits ($500,000) for $285 per year with a guaranteed value of $15000 (03 Z4 3.0). They only require that you have another car less than 5 years old for "everyday" use.
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