How much do you pay for your insurance?

e90fanatic · 12-05-2005, 12:56 PM

Quote:

Originally Posted by ryan330

You guys are lucky, i have been searching for the cheapest rate for a while now, and it looks like $4900/year canadian is the lowest i can get, 21 with a clean record. For those of you that don't want to do the math it works out to about $4150/year US or 2075/6 months US

yup...my insurance was near $10k CAD/yr when I got my new 2002 S60 T5 when I was 18. But the coverage is also high. Try finding quotes from smaller insurance companies...may help lower it a bit.

abc · 12-05-2005, 02:10 PM

Quote:

Originally Posted by bimmerwannerbie

$860 6 months with $500 deductible. Is that good?

depends... if you say full coverage and in a place like NYC/NJ, and you're 23yrs old, real good.

IDENTITY_MOTORSPORTS · 12-05-2005, 03:23 PM

I pay 80.00 per month. 24 years old and married. Also, have 6 points on the license.

cdheaven · 12-05-2005, 03:40 PM

im 21. in ft.lauderdale, i pay 2,000. a year. seem high after reading some of these. i also have lease, which is important to take into consideration because you HAVE to have a certain type of insurance. after reading this im gonna shop around a little bit.

cdheaven · 12-05-2005, 03:49 PM

sorry for the two posts....I just called my provider(state farm) and since im only 21 they have a "steer clear" program.. its an 11 minute videotape and a book, then i answer a few questions and i save about 230 dollars a year!! so that will help a little bit. She is gonna talk to me when i pick up the book about some other programs,etc.

petefalzzz · 12-05-2005, 04:44 PM

This is a tired old thread that is pretty meaningless due to all the vairable involved in premium determination.

cdheaven · 12-05-2005, 05:14 PM

yea, you are PROBABLY right pete, but its probably not a bad idea. FOR EXAMPLE. if there any younger dudes out there state farm, you probably wanna call and ask about that course.
Or if Joe schmo in witchita kansas has Company 1, then didnt change ANY variables , did some reasearch and shopping and switched Company 2 and started saving money, it might be worth posting which companys he has dealt with, becaue its possible that the same perctange earnings could happen in a different part of the countries.
also, i just called geico and it was way more money then my state farm. so if you have geico, you MIGHT wanna call state farm..

scottz5 · 12-05-2005, 06:37 PM

Quote:

Originally Posted by petesamprs

Whoa that's awesome. I'm in Jersey City paying about $2k year to Geico. I'm guessing not everyone can sign up for NJM?

no but its so so cheap!

AndOJones · 12-05-2005, 07:02 PM

7k/year under 25 y.o.
thank g-d i beat my speeding ticket too!

scottz5 · 12-05-2005, 07:08 PM

Quote:

Originally Posted by AndOJones

7k/year under 25 y.o.
thank g-d i beat my speeding ticket too!

damn brother thats a lot of $$$$$$

surlung · 12-05-2005, 07:31 PM

26yrs old, married. 1 speeding tix on record.

$580 per 6 months, $300k collision coverage since I own a condo. I think deductable is $500.

cdheaven · 12-05-2005, 07:42 PM

insurance seems to be pretty cheap out in cali. unline EVERYTHING else. maybe its just certain parts.

CALIF65GM · 12-05-2005, 11:31 PM

Quote:

Originally Posted by e90fanatic

The liberty mutual BMW pricing or Volvo pricing (they have it for every car but make it sound exclusive) is the biggest lie ever. They charge way more than anywhere else even after the "discount".

I know what you're saying. They jack the rate first then give a discount, but in my case it was the cheapest. Even cheaper than my current insurance company would offer and my current ins. doesn't use OEM parts which Liberty Mutual does. Everything else was like $1300+ for 6 mths.

CALIF65GM · 12-05-2005, 11:34 PM

Quote:

Originally Posted by cdheaven

insurance seems to be pretty cheap out in cali. unline EVERYTHING else. maybe its just certain parts.

LOL what're you talking about "seems pretty cheap"? LOL I am going to be paying about $2300/yr with a clean driving record and licensed over 20 years.

Nikki · 12-05-2005, 11:37 PM

about $5000 a year, damn south florida drivers suck.

CALIF65GM · 12-05-2005, 11:49 PM

Quote:

Originally Posted by Nikki

about $5000 a year, damn south florida drivers suck.

OMG Nikki $5K, what kind of coverage and what company? I know you need higher limits because you leased, but that's ridiculous.
Sounds a tad high.

NBRider88 · 12-06-2005, 12:05 AM

I pay almost 500$ a month, with the minimal coverage. Pretty steep but I am young and have an accident on record.

I had Farmers insurance before but they were a lot more expensive. Instead i went through a private agent who has listings for hundreds of auto companies and was able to give me the best rate out of all the major and minor companies. I think it was a great idea and would suggest it to anyone.

Nikki · 12-06-2005, 08:31 AM

Quote:

Originally Posted by CALIF65GM

OMG Nikki $5K, what kind of coverage and what company? I know you need higher limits because you leased, but that's ridiculous.
Sounds a tad high.

$100k/$300k with Progressive and a $1500 deductable

lux.sh · 12-06-2005, 08:39 AM

about 5k a year also. thats with 5+ tickets though.

impulsebrklyn · 12-06-2005, 08:54 AM

i pay 1380 right now for 6 months but im 25 now, no tickets and 1000 dollar deductable. lots of discounts and no tickets too. I live in Brooklyn, NY. When I first got my last car I was 22. 2003 4runner same stats when i first signed up it cost me 4800 a year!!!

espo · 12-06-2005, 01:00 PM

Never had an accident or ticket, and I'm at about $600/6months (with a $500 deductable and alot of liability). 4 years ago when I first moved to NY and got my first BMW, I was only paying $450/6months with a $250 deductable on a 2003 325xi.... The rates in NY have steadly gone up about 15-20% per year since 9/11... My homeowners insurance has gone up 50+% in the same time.

BMWinNorthdakota · 04-03-2010, 04:35 PM

1800/6months

Kinda crazy. I live in ND wth

12-05-2005, 03:23 PM	#47
IDENTITY_MOTORSPORTS Second Lieutenant 24 Rep 244 Posts Drives: E90 Join Date: Oct 2005 Location: Las Vegas, NV. iTrader: (0)	I pay 80.00 per month. 24 years old and married. Also, have 6 points on the license.
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12-05-2005, 03:40 PM	#48
cdheaven I'm Starving , So I Guess You Are What You Eat 229 Rep 943 Posts Drives: 2006 325i Join Date: Aug 2005 Location: Ft. Lauderdale, Fl iTrader: (1)	im 21. in ft.lauderdale, i pay 2,000. a year. seem high after reading some of these. i also have lease, which is important to take into consideration because you HAVE to have a certain type of insurance. after reading this im gonna shop around a little bit. __________________ 2006 325i Sparkling Graphite Metallic-Black Leatherette Navigation-Bmw Assist Automatic-Xenons Carbon Fiber Front Lips-Aluminum Pedals Power/heated Front Seats 5% Tint all around 30% On windshield all the way down
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12-05-2005, 03:49 PM	#49
cdheaven I'm Starving , So I Guess You Are What You Eat 229 Rep 943 Posts Drives: 2006 325i Join Date: Aug 2005 Location: Ft. Lauderdale, Fl iTrader: (1)	sorry for the two posts....I just called my provider(state farm) and since im only 21 they have a "steer clear" program.. its an 11 minute videotape and a book, then i answer a few questions and i save about 230 dollars a year!! so that will help a little bit. She is gonna talk to me when i pick up the book about some other programs,etc. __________________ 2006 325i Sparkling Graphite Metallic-Black Leatherette Navigation-Bmw Assist Automatic-Xenons Carbon Fiber Front Lips-Aluminum Pedals Power/heated Front Seats 5% Tint all around 30% On windshield all the way down
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12-05-2005, 04:44 PM	#50
petefalzzz Private First Class 5 Rep 163 Posts Drives: BMW 335d E90 Join Date: Oct 2005 Location: Atlanta, GA iTrader: (0)	This is a tired old thread that is pretty meaningless due to all the vairable involved in premium determination. __________________ 335d / TiAg/ Black
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12-05-2005, 05:14 PM	#51
cdheaven I'm Starving , So I Guess You Are What You Eat 229 Rep 943 Posts Drives: 2006 325i Join Date: Aug 2005 Location: Ft. Lauderdale, Fl iTrader: (1)	yea, you are PROBABLY right pete, but its probably not a bad idea. FOR EXAMPLE. if there any younger dudes out there state farm, you probably wanna call and ask about that course. Or if Joe schmo in witchita kansas has Company 1, then didnt change ANY variables , did some reasearch and shopping and switched Company 2 and started saving money, it might be worth posting which companys he has dealt with, becaue its possible that the same perctange earnings could happen in a different part of the countries. also, i just called geico and it was way more money then my state farm. so if you have geico, you MIGHT wanna call state farm.. __________________ 2006 325i Sparkling Graphite Metallic-Black Leatherette Navigation-Bmw Assist Automatic-Xenons Carbon Fiber Front Lips-Aluminum Pedals Power/heated Front Seats 5% Tint all around 30% On windshield all the way down
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12-05-2005, 07:02 PM	#53
AndOJones NTP 2AD FYG TDB 3 Rep 86 Posts Drives: Acura TSX Join Date: Aug 2005 Location: NYC iTrader: (0)	7k/year under 25 y.o. thank g-d i beat my speeding ticket too! __________________ Andy Milonakis is a grown-ass man!
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12-05-2005, 07:31 PM	#55
surlung Private 2 Rep 55 Posts Drives: e90 325i Join Date: Jul 2005 Location: SJ, CA iTrader: (0)	26yrs old, married. 1 speeding tix on record. $580 per 6 months, $300k collision coverage since I own a condo. I think deductable is $500. __________________ e90 325i SG/Black/Alum ZSP/ZPP Xenon Manual
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12-05-2005, 07:42 PM	#56
cdheaven I'm Starving , So I Guess You Are What You Eat 229 Rep 943 Posts Drives: 2006 325i Join Date: Aug 2005 Location: Ft. Lauderdale, Fl iTrader: (1)	insurance seems to be pretty cheap out in cali. unline EVERYTHING else. maybe its just certain parts. __________________ 2006 325i Sparkling Graphite Metallic-Black Leatherette Navigation-Bmw Assist Automatic-Xenons Carbon Fiber Front Lips-Aluminum Pedals Power/heated Front Seats 5% Tint all around 30% On windshield all the way down
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12-05-2005, 11:37 PM	#59
Nikki Major General 990 Rep 6,381 Posts Drives: Sepang Z4MC Join Date: Aug 2005 Location: LA iTrader: (9)	about $5000 a year, damn south florida drivers suck. __________________ Nikki
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12-06-2005, 12:05 AM	#61
NBRider88 I gave her my heart, she gave me crabs 20 Rep 143 Posts Drives: 06' 330i Join Date: Sep 2005 Location: OC :] iTrader: (2)	I pay almost 500$ a month, with the minimal coverage. Pretty steep but I am young and have an accident on record. I had Farmers insurance before but they were a lot more expensive. Instead i went through a private agent who has listings for hundreds of auto companies and was able to give me the best rate out of all the major and minor companies. I think it was a great idea and would suggest it to anyone. __________________
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12-06-2005, 08:39 AM	#63
lux.sh missing two turbos. 577 Rep 4,859 Posts Drives: fast around corners. Join Date: Sep 2005 Location: Curves iTrader: (12) Garage List 2006 BMW E90 330i [0.00]	about 5k a year also. thats with 5+ tickets though. __________________ 06 AW E90 330i ZPP/ZSP/Step/Expired Warranty : Prior Design Front : ACS Rear : ACS Roof : BlackLines : Simota Intake : Carbon Fiber Interior Trim : : MTEC V3 : 24% Charcoal : V1 Hardwired : Solaris Invisibulbs/LED interior :
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12-06-2005, 08:54 AM	#64
impulsebrklyn First Lieutenant 18 Rep 387 Posts Drives: BMW 330i Jet Black Join Date: Jul 2005 Location: Brooklyn, NY iTrader: (1)	i pay 1380 right now for 6 months but im 25 now, no tickets and 1000 dollar deductable. lots of discounts and no tickets too. I live in Brooklyn, NY. When I first got my last car I was 22. 2003 4runner same stats when i first signed up it cost me 4800 a year!!! __________________ 2006 BMW 330i - Jet Black - Terra - Burl Walnut - Premuim Package - Sports Package - Fold Down Seats - Heated Front Seats - Strut Brace - Sunglass Tray - Carbon Fiber Front Lips - Alarm - Blacklines - ACS Roof Wing - Breyton Trunk Spoiler - 19" Breyton Spirits wrapped in Michelin PS2
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12-06-2005, 01:00 PM	#65
espo Captain 12 Rep 715 Posts Drives: 2014 M235i Join Date: Sep 2005 Location: Sugar Land TX iTrader: (0)	Never had an accident or ticket, and I'm at about $600/6months (with a $500 deductable and alot of liability). 4 years ago when I first moved to NY and got my first BMW, I was only paying $450/6months with a $250 deductable on a 2003 325xi.... The rates in NY have steadly gone up about 15-20% per year since 9/11... My homeowners insurance has gone up 50+% in the same time. __________________ E46 325xi Oxford Green/Sand Leatherette/Myrtle Wood Auto ZCW - Retired E90 330xi Mystic Blue/Black Leather/Aluminum 6sp Manual ZSP/ZPP/ZCW/CA - Retired F22 M235i Mineral Gray/Red Leather/Aluminum 6sp Manual ZPP/ZTP
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04-03-2010, 04:35 PM	#66
BMWinNorthdakota Banned 244 Rep 1,106 Posts Drives: 2007 bmw 335i e90 Join Date: Jun 2009 Location: Fargo ND iTrader: (0)	1800/6months Kinda crazy. I live in ND wth
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