What Do You Pay For Insurance? - BMW Forum - BimmerWerkz.com
3-Series (E46, E90) Chat relating to the BMW 3-Series from 1999 to Current. Models include: BMW 316i, BMW 318i, BMW 318Ci, BMW 320i, BMW 323i, BMW 325i, BMW 330i, BMW 328 Ci, BMW 328i, BMW 325i/xi, BMW 330Ci, BMW 320d, BMW 330d, BMW 335d.

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#1 (permalink) Old 07-25-2005, 09:23 PM
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I've been getting some quotes for full coverage for the 99-01 323i that I plan on buying. I've gotten quotes as low as 900 a year, does this seem correct in comparison for what you pay? FYI I'm 22, licensed 6+ years, 1 accident in 1999, and NOOOO speeding tickets (thanks to an 89 ford tempo incapable of speeds greater than 70). Good credit, probly some bargaining power for a low yearly.

So, just looking what anyone pays on any of their cars. Thanks again.


P.S. Went to the dealers, those 06 3's are pretty slick, someday.

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#2 (permalink) Old 07-26-2005, 11:31 AM
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Are ya married? That makes a difference too.....besides the state, the area you stay in, the company, the agent, and you (your bargaining power).

I am 29, married, good credit, I accident in 2001, I moving violation, I pay 400$ for 6 months.......State Farm. Complete coverage 100$ deductible. So I would say for you that sounds about good. Missouri Insurance rates are ridiculous cause we ahve the dumbest drivers here, yet I love the state farm agent, he did some finagling and got me that low rate. I tried even unheard of companies and no one would gimme a lower rate than that so I am happy.

Bottomline.....900/year for a bimmer is cool. If you get lower,...awesome.
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#3 (permalink) Old 07-26-2005, 01:33 PM
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im in southern orange county CALI and i pay $5000 for my full coverage... f#$kin 900 S$#t son! i think i wanna move... or not.. haha

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#4 (permalink) Old 07-27-2005, 02:12 PM
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:nana

Hmmmm...let's see. I recently switched from Geico to Allstate. I was paying about $1450 per year for a '94 Jeep Grand Cherokee and a 2001 Audi allroad.

Allstate got that down to around $800 with a higher deductible ($500 ----> 1000) but also higher liability limits.

Adding an '01 330Ci Convertible we just bought will add $400 to that for a total of $1200 per year for all three cars.

They also lowered my homeowners by more than 50%, partly because I gave them all my insurance business.

I was floored by the difference.

We're in our 40's and married with good driving records and perfect credit.

Jim

Jim
2001 330Cic, Oxford Green Met, Sand, Step, Premium, Sports

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#5 (permalink) Old 07-28-2005, 01:56 AM
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I don't have the luxury of the big-name, economies of scale operations such as Geico, Allstate, Progressive and State Farm, as they are not offered in MA, sucks. But I'm happy that I wont be paying 5000 like s1lence... how many pedestrians did you have to kill to get a rate that high??? Or is your bimmer made of solid gold?

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#6 (permalink) Old 07-28-2005, 08:47 AM
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Well I have a 1999 323i with Geico insurance

I am paying $118 a month. Approx. $700 for six month.


I think the made differs a lot. Sedan Ins will be cheaper than a Coupe

Also the color of your car and also where you leave.

My 3 cents
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#7 (permalink) Old 07-28-2005, 10:32 AM
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I am in VA Beach and have a 2002 325i. My insurance is with Nationwide and pay about $89 a month with a $500 deduct. Not bad, considering every other company wanted to charge me at least $300-400 more for a 6-month policy. I have a perfect record and credit, but am 22 and single male which kills it all.
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#8 (permalink) Old 07-29-2005, 10:04 AM
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Quote:
Originally posted by Jellybelly@Jul 28 2005, 11:32 AM
I am in VA Beach and have a 2002 325i. My insurance is with Nationwide and pay about $89 a month with a $500 deduct. Not bad, considering every other company wanted to charge me at least $300-400 more for a 6-month policy. I have a perfect record and credit, but am 22 and single male which kills it all.
[snapback]365703[/snapback]
Yep, 22 year old single male gets killed on car insurance rates. That rate isn't that bad for you. Did you check Allstate when you shopped it? Again, I was floored at how much they save me on both car and homeowners. But, we're in our 40's and married with perfect everything.

Jim
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#9 (permalink) Old 08-18-2005, 12:29 PM
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Full coverage, basic liabilty (i dont really have any assets) and an alternate vehicle plan, for 920 a year. Could have been as low as 840 still maintaining full coverage for financed vehicles.

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#10 (permalink) Old 10-19-2005, 02:54 AM
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wow, that's a lot of cash! mine's at http://www.insurance-quote-free.com/chris cheaper! i'm 18 and me and my dad is sort of 50/50 with the payment. he use it during saturdays. had 1 speeding ticket! used: Progressive is way too high! Ugggh! : Well, that's what to expect with leading companies, they grab the opportunity and get to increase time after time! <_<
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#11 (permalink) Old 10-19-2005, 07:20 AM
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chubb: replacement value guaranteed at 42k, full cov 300,500,300 at $1900 per year. baltimore md.
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#12 (permalink) Old 10-19-2005, 05:48 PM
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I am in Montreal, Canada...
just for fun...
I pay $1000 usd for my 1994 540 (worth 10k), and $725 for my 2003 330xi (worth 30k)
no logic, old car more than new car... but whatever!

no accidents, no tickets, great credit and live in an average part of the city.

^^ ><((({>
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#13 (permalink) Old 10-19-2005, 08:27 PM
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I cant believe this guys

Liability $100,000 body/$300,000 Accident/$100,000 property damage coverage

100/300/100

18 years old!!!!!!!!!!
SINGLE
weak part time job
1995 BMW M3 6 cyl, manual, coupe
100% clean record
Los Angeles, CA

Hold on to your pants fellas

$102 per month basically $1200 per month


1995 BMW M3 Turbo - Dakar/Black
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#14 (permalink) Old 10-19-2005, 09:37 PM
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Quote:
Originally Posted by ///M Power
I cant believe this guys

Liability $100,000 body/$300,000 Accident/$100,000 property damage coverage
that does not sound very high... are you sure it is not more?

^^ ><((({>
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#15 (permalink) Old 10-20-2005, 09:30 AM
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^^ That's a great price!!

It's about what I pay for all three of my cars per year.

27 (wife 26)
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