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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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Old 02-02-2005, 09:54 PM   #1 (permalink)
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i am getting ready to purchase a bmw saterday and it just suddenly hit me............insurance? i asked a friend and told him it was a 323ic convertible 98 and i have no tickets on insurance yet and he said it would probly b like 300$ a month and i was expecting it to be high, but that damn high? anyone else have a convertible and would be willing to tell me relatively what thiers is? and also i have a questin about the convertibles since everything else on the car is power is the top? the add didnt say so i didnt know?
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Old 02-02-2005, 10:03 PM   #2 (permalink)
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3 tix ( 2 speeding) 3 accidents.. stolen car.. i pay 3000 a year...
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Old 02-03-2005, 12:59 AM   #3 (permalink)
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It can change with age, place you live, convertible i am sure(people cutting top), male or female, driving record, grades(i had a good grade discount in high school and college), and lots of other factors. The best thing to do if before you buy the car car your current insurance company or look into a company if you don;t have one and ask them. My insurance(State Farm) is always more than happy to tell me an estimate for the car before we buy it.


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Old 02-03-2005, 08:06 AM   #4 (permalink)
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Yea, your best bet is to call your agent and find out before you buy.. When I got my first car I was quoted at like 5 grand a year..
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Old 02-03-2005, 08:38 AM   #5 (permalink)
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I pay $740 for 6 months for my '97 328i Sedan (one speeding ticket on the record).
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Old 02-03-2005, 08:50 AM   #6 (permalink)
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I pay 3k/year. 18years old in college & no tickets. 1 accident (wasn't my fault)
1994 325is.
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Old 02-03-2005, 09:15 AM   #7 (permalink)
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well i am 16 but since i am not 18 the car will go on my moms name she has never had a ticket and is 54 so i am sure that will definetly help my s10 xtreme is like 2000 a year. but i think the thing thats really gonna kill me is that its a convertible
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Old 02-03-2005, 12:00 PM   #8 (permalink)
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26, no accidents, no speeding tickets, $1200 / year for comp/collision.

Most (if not all) insurance carriers offer discounts for things like ABS, airbags, etc...

If you carry multiple policies with them, you can get a pretty substantial discount, too. (Like renter's insurance - $10 / month, but lowers the car insurance premium by ~$20.)
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Old 02-03-2005, 12:53 PM   #9 (permalink)
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My insurance is under my step-mom's name who's ex husband was in the military so she gets REALLY good insurance from down in texas. God bless the air force.
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Old 02-03-2005, 06:29 PM   #10 (permalink)
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I'm 21, college student, 1 accident my fault, 2 with zero fault, 3 speeding tickets still on my record but nothing more then 15 over, full coverage with glass on my 1996 328is is $770 every 6 months. It would be more like $900 every 6 months but my insurance is still under my parents account with about 5 other vehicles, yet in my name. Then since I'm such a good student State Farm Insurance Company give me a good student discount of about $120 every 6 months for mantaining a B GPA. Gotta love that. So I wind up paying about $110 a month or about $1300 a year.


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Old 02-03-2005, 06:35 PM   #11 (permalink)
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Quote:
Originally posted by Crispy222@Feb 3 2005, 05:29 PM
I'm 21, college student, 1 accident my fault, 2 with zero fault, 3 speeding tickets still on my record but nothing more then 15 over, full coverage with glass on my 1996 328is is $770 every 6 months. It would be more like $900 every 6 months but my insurance is still under my parents account with about 5 other vehicles, yet in my name. Then since I'm such a good student State Farm Insurance Company give me a good student discount of about $120 every 6 months for mantaining a B GPA. Gotta love that. So I wind up paying about $110 a month or about $1300 a year.


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Damn dude! I pay that much just for liability! And i have no accidents or speeding tickets. WTF?
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Old 02-03-2005, 06:49 PM   #12 (permalink)
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Insurance is always based on where you live and the statistics for accidents in that particular area. Also how much you drive. I have a 93 325i and only carry Liability. It is the same as a Honda Accord. However Comp is outragous.

2004 Oddessy - Full Coverage
2002 Accord - Full Coverage
1993 BMW 325i. - Liability only

$2600 per year. No tickets or wrecks. Married with 2 teenagers (16 & 18) on policy. I add my son next year and it will double just for him. Guys are much more expensive.
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