Insurance For An 18 Year Old... - BMW Forum - BimmerWerkz.com
3-Series (E36) Chat relating to the BMW 3-Series from 1992-1999. Autodoodad Specific models include: BMW 316i, BMW 318i, BMW 318iS/ti, BMW 320, BMW 323, BMW 320, BMW 324, BMW 325, BMW 328.

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#1 (permalink) Old 03-31-2005, 03:52 PM
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Hi,

I currently have a 1.1 N reg Ford Fiesta and it is a nightmare! I even got overtaken by and Ice Cream van the other day!!

I've always liked BMW's and I've seen a lot of them priced at reasonable prices. Does anyone know roughly how much it'd cost me to insure a 1800cc BMW 3 series? I don't want to ring up for quotes just yet, just incase I get laughed at. Also, I have not done Pass Plus yet, but I do plan on doing it soon.

I am looking for something like this:


Thanks.
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#2 (permalink) Old 03-31-2005, 04:03 PM
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Why would you get laughed at? unless you're funny looking?


You don't have to go anywhere, just call a few places and tell them that you're calling around for quotes. Insurance rates depends on a lot on your driving record.


I'm 26 drive a 1996 328is, I have several tickets, no accidents, or claims in the past, but only have 1 or 2 tickets on my current 3-year driving record. I have full-coverage, and I pay about $160/month.


Yes I feel like I'm being ripped off and I'm sure theres going to be about 20-30 post with people say how they pay less.

If anyone can name some good insurance companies numbers or links here in the US, I wouldn't mind calling for a quote. Thanks!
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#3 (permalink) Old 03-31-2005, 04:33 PM
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for an 18 yr old its gonna be outrages no matter where you go
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#4 (permalink) Old 03-31-2005, 06:21 PM
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My insurance on my BMW 318 conv. was 929.00 every six months. I then called them back and told them that the car was for pleasure and i would probably drive it only 6 or 7 thousand miles a year. My insurance went down to 816.00. So that might help a little. But either way you are going to pay alot no matter what car especially a BMW. Good luck.
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#5 (permalink) Old 03-31-2005, 06:33 PM
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i pay $500/month. no accidents no tickets. it will go down in a few months when i turn 21

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#6 (permalink) Old 03-31-2005, 06:52 PM
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In the US, I don't know if you're from the US or not, I payed a bit over 2000$ a year for my 318 at 18. When I got the 325 it went up to about 2500$. I then worked with them on how to get it down, and it's about 2000$ now. I've done a local racing class which was considered a "defensive driving" class by my insurance company, and a few other things to lower it. It also depends heavily on where you live. Right now, my insurance company doesn't know I go to a college in Pittsburgh... they think I live in a nice, quiet nieghborhood.

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#7 (permalink) Old 03-31-2005, 11:34 PM
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put it under someone else's name...

thats how I got through my younger years

Former Nissan 240sx owner...

Now BMW owner...

and not missing the 240 too much
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#8 (permalink) Old 04-01-2005, 12:07 AM
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Quote:
Originally posted by B_w.@Mar 31 2005, 07:33 PM
i pay $500/month. no accidents no tickets. it will go down in a few months when i turn 21
[snapback]322470[/snapback]

damn thats like 6 grand a year.. thats a alot..

i have 1 accident, stolen car, 2 tix... i pay about 1500 every 6 months.. oh and i am 20!! plus, i live in NY!!

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#9 (permalink) Old 04-01-2005, 12:18 AM
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i am also looking at getting a 93 325is. i called my insurance agent and he said it would be about 100-200 cheaper than what i am paying right now ($1100 every 6 months on a 99 Chevy Blazer). I am 19 years old
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#10 (permalink) Old 04-01-2005, 01:32 AM
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i'm 17, and i'm pretty sure that mine is somewhere around $250/month, but i'd have to ask.
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#11 (permalink) Old 04-01-2005, 01:56 AM
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Hmmm...I think I can be of good assistance for you, since I'm in the same situation pretty much.

I am 17 years old, and I own a 1995 325is, good stuff however, I bought the car BEFORE I looked up quotes...

If I was to have my own insurance policy, with just the MINIMUM coverage (Liability), insurance would be $1,400 a month for me...

That's rediculous, but all the other quotes I got from other companies were very much the same.

Right now I'm insured under my moms name, and therefore I pay $266 a month...

So, get it under your parents name? Or a close friends parents or something...just a middle age adult with a good driving record.

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#12 (permalink) Old 04-01-2005, 02:15 AM
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Quote:
Originally posted by aheath@Mar 31 2005, 02:03 PM
Why would you get laughed at? unless you're funny looking?

[snapback]322393[/snapback]

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#13 (permalink) Old 04-01-2005, 03:03 AM
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Quote:
Originally posted by Phrozen@Apr 1 2005, 12:56 AM
Hmmm...I think I can be of good assistance for you, since I'm in the same situation pretty much.

I am 17 years old, and I own a 1995 325is, good stuff however, I bought the car BEFORE I looked up quotes...

If I was to have my own insurance policy, with just the MINIMUM coverage (Liability), insurance would be $1,400 a month for me...

That's rediculous, but all the other quotes I got from other companies were very much the same.

Right now I'm insured under my moms name, and therefore I pay $266 a month...

So, get it under your parents name? Or a close friends parents or something...just a middle age adult with a good driving record.
[snapback]322727[/snapback]
Damn, is that correct? I am 18 and did an online quote for an M3 with liability and restricted comprehensive and it came out to 2600 every six months. I have no accidents or tickets. It can't drop that much just because of turning 18.

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#14 (permalink) Old 04-01-2005, 03:40 PM
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Quote:
Originally posted by mrkbik+Apr 1 2005, 01:03 AM--><div class='quotetop'>QUOTE(mrkbik @ Apr 1 2005, 01:03 AM)</div><div class='quotemain'><!--QuoteBegin-Phrozen@Apr 1 2005, 12:56 AM
Hmmm...I think I can be of good assistance for you, since I'm in the same situation pretty much.

I am 17 years old, and I own a 1995 325is, good stuff however, I bought the car BEFORE I looked up quotes...

If I was to have my own insurance policy, with just the MINIMUM coverage (Liability), insurance would be $1,400 a month for me...

That's rediculous, but all the other quotes I got from other companies were very much the same.

Right now I'm insured under my moms name, and therefore I pay $266 a month...

So, get it under your parents name? Or a close friends parents or something...just a middle age adult with a good driving record.
[snapback]322727[/snapback]
Damn, is that correct? I am 18 and did an online quote for an M3 with liability and restricted comprehensive and it came out to 2600 every six months. I have no accidents or tickets. It can't drop that much just because of turning 18.
[snapback]322749[/snapback]
[/b][/quote]

I'll be 21 here in 20 days, and I pay 300/month for full coverage on my '89 turbo 325i including coverage of the motor. The f|_|cked up part is to insure a '89 944 turbo porsche its only 185 for the same coverage. Tempting me to go to another brand

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#15 (permalink) Old 04-01-2005, 05:21 PM
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I'm 23 and I had to put mine on my parents insurance with me as a weekend only driver. I pay 260 a month full coverage. If it wasn't insured on my parents plan I'd have to pay 500 a month.
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