Insurance Rates

[jc05e46m3]

USAA- 250 deductible

~99/mo. 27y/o

[A267839885568]

im paying 678/ 6 mo with USAA

[Sir Loin]

I am with Safeco, $605 per 6 months. All my car (3 cars now) and house insurance is with Safeco. I feel I should pay less, but I am too lazy to shop around.

[IMrMark]

Ended up 1250/6 mo with progressive. 3 cars, two drivers, 50/100, $500 deductible


Edit: should be more clear. Car itself accounts for 450 of that.

[MCarRacr07]

I have my home owners bundled to my auto and the rate is much better than stand alone...
that might help some...just saying

[Accel Junky]

State Farm is quoting me $755.40/6mo. I'm 30, excellent credit, squeaky clean record, no tickets, no accidents, multi-policy, multi-vehicle, garaged, #2 safest cities in GA, etc...

To compare...my 2001 E39 M5 is $511.60/6mo and we pay around $590/6mo for my wife's 2005 TL (same deal, same age, squeaky clean driver as well).

Was hoping it would be a little closer in price but I guess the better MPG vs the M5 will offset the insurance increase.

[SakhirM4]

Originally Posted by A267839885568

im paying 678/ 6 mo with USAA

My premium is going to be $482/ 6 months with USAA with $250/$200

[1stm3f80]

$1,701 a year for a 2015 M3 and 2010 X5. Wanwanesa. Sick price!!!

Full coverage 100/300 $500 deduct.

[AYF80]

Originally Posted by jc05e46m3

USAA- 250 deductible

~99/mo. 27y/o

Yup, sounds right. I'm paying 115 a month for my 335i and Jeep. The price only went up to 130 if I wanted to trade in for the F80

I'm 30 with clean record.

[Canyon_Dancer]

My monthly only went up $12 going from the '14 335i to the F82.

[Primas]

I am a State Farm agent.. It all depends on your state and of course your driving record along with a few other factors .. Mine rate is $364 every six months.. And I do not get any discounts as State Farm is a mutual company.. Owned by individual policy holders

[RickMonet]

Originally Posted by Primas

I am a State Farm agent.. It all depends on your state and of course your driving record along with a few other factors .. Mine rate is $364 every six months.. And I do not get any discounts as State Farm is a mutual company.. Owned by individual policy holders

Interesting. How much does your rate go up if you live in SF or LA California?

[Primas]

Originally Posted by RickMonet

Interesting. How much does your rate go up if you live in SF or LA California?

Rates in California are indeed higher than in Ohio.. But not by much and certainly no where near the highs in other parts of the nation. Living in the inner city or urban areas are higher than suburbs..

[Canyon_Dancer]

Originally Posted by RickMonet

Interesting. How much does your rate go up if you live in SF or LA California?

That depends on your zip code and driving record. I'm with State Farm myself.

[BMWinGE]

I use USAA and my rate is about $800 more per year than what I was previously quoted without the VIN (based on last generation M3 I guess). I am looking for a new company. Im 42 with a clean driving record.

[JRV]

Originally Posted by BMWinGE

I use USAA and my rate is about $800 more per year than what I was previously quoted without the VIN (based on last generation M3 I guess). I am looking for a new company. Im 42 with a clean driving record.

Pretty sure Liberty Mutual has a special coverage for BMW M. I received something in the mail about it and it was a little cheaper than my current State Farm. But in the end the savings wasn't worth the trouble of moving all my insured items over. I pay around 700/6 months. I am 33 btw.

[SakhirM4]

Originally Posted by BMWinGE

I use USAA and my rate is about $800 more per year than what I was previously quoted without the VIN (based on last generation M3 I guess). I am looking for a new company. Im 42 with a clean driving record.

I have USAA also and my insurance went up $32/month over my E36 M3.

[rz3]

Lots of things can drive up the rate. I'll say this, though, I've been with State Farm for ~20 years and had to file a few claims as well as get them involved due to an uninsured motorist. They have always been very easy to work with.

[rz3]

Originally Posted by JRV

Pretty sure Liberty Mutual has a special coverage for BMW M. I received something in the mail about it and it was a little cheaper than my current State Farm. But in the end the savings wasn't worth the trouble of moving all my insured items over. I pay around 700/6 months. I am 33 btw.

The initial rate will be lower, but what will it be in a couple of years when all the new customer discounts expire? I considered moving to Liberty a couple of years ago, but like you changed my mind due to a non-cancellation clause on my account (they can't cancel me unless I don't pay) as well as recognizing that all insurers bump the rates every year.

[DadzM4]

my 911S is cheaper than the M4. Not much, but the Porsche with a $167k sticker price is just shy of $600/year and the M4 is $687/year and it is half the price and only 2 months newer. Doesn't make sense to me except I guess less 911's are wrecked each year than BMW's? I am 42 and in Florida. And certainly not complaining as I feel that is cheap insurance, just doesn't make sense when one car cost 2x the other and it is cheaper and I have crazy high coverage including a $10 million umbrella policy.

[nujabes24]

you all are lucky, I'm 25 clean record and i have USAA and pay literally 3700 a year

[Canyon_Dancer]

Originally Posted by nujabes24

you all are lucky, I'm 25 clean record and i have USAA and pay literally 3700 a year

Fuck! I pay around $1400 a year with State Farm.