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      12-06-2017, 04:43 PM   #683
espressoo
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These rates are useless without some basic and consistent data. Otherwise you're comparing apples to oranges.

Insurer: Allstate/Geico or etc
Multi-policy Discount: Yes/No (i.e., multiple cars & homeowner/renter)
Cost: $xxx (specify Monthly or Annually)
Coverage: $100K/$300K/$100K or etc
Deductibles: $500 collision/$100 comprehensive
Age Range: 20's, 30's, 40's or etc
Record: Spotless/Decent/Last Straw
State: CA/NY
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      12-06-2017, 06:02 PM   #684
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Quote:
Originally Posted by espressoo View Post
These rates are useless without some basic and consistent data. Otherwise you're comparing apples to oranges.

Insurer: Allstate/Geico or etc
Multi-policy Discount: Yes/No (i.e., multiple cars & homeowner/renter)
Cost: $xxx (specify Monthly or Annually)
Coverage: $100K/$300K/$100K or etc
Deductibles: $500 collision/$100 comprehensive
Age Range: 20's, 30's, 40's or etc
Record: Spotless/Decent/Last Straw
State: CA/NY
Just got one from Esurance

$915 every 6mo / home own
Single Car/ no bundle
100/300/100
Rental coverage
36 clean record cali

Just checked Ameriprise
Same coverages $835
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      12-08-2017, 12:41 AM   #685
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$550/6 months with $1 million Geico policy!
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      12-10-2017, 10:22 AM   #686
Prossx
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Quote:
Originally Posted by alex2364 View Post
$550/6 months with $1 million Geico policy!
I'm getting a significantly lower quote from Geico than Progressive, Liberty, etc. What's the catch? Anyone with Geico experience please chime in: good, bad, indifferent.
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      12-10-2017, 10:30 AM   #687
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Quote:
Originally Posted by Prossx View Post
I'm getting a significantly lower quote from Geico than Progressive, Liberty, etc. What's the catch? Anyone with Geico experience please chime in: good, bad, indifferent.
Was w/ AAA for 10 yrs ish... switched over to Geico to save extra $$ ... since my premium jumped for a claim on bent wheels from frwy, got into accident few months later while someone running a red light (not my fault) gieco is the worst ins ever... I switched back to AAA ..yea I paid a lil more, not worth the headache and the run arounds I got..
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      12-10-2017, 10:38 AM   #688
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Quote:
Originally Posted by Prossx View Post
I'm getting a significantly lower quote from Geico than Progressive, Liberty, etc. What's the catch? Anyone with Geico experience please chime in: good, bad, indifferent.
Some say Geico is really cheap when you need to make a claim and low ball body shop estimates. But I had a claim in my old car and always go to this high end body shop. They argued with Geico and said they canít fix it properly using Geicoís estimate. Geico ended up raising their estimate to within a few dollars of what the body shop wanted. You just need to find a good body shop that is willing to go to the mat for you with Geico.
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      12-10-2017, 11:43 AM   #689
shahrez
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I was quoted $200 less for an M4 than an M3, ironically the M4 had a higher MSRP of about $78xx whereas the M3 was $72xx both cars had drivers assistance, and the M4 had ZCP. I don't know why, but M4s are cheaper to insure for some reason... at least for me.
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      12-10-2017, 12:47 PM   #690
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was 1500 a year 1k deductible, no tickets for my 2015.


R8 is 3k a year 500 deductible
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      12-12-2017, 03:01 PM   #691
ano0oj
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Quote:
Originally Posted by shahrez View Post
I was quoted $200 less for an M4 than an M3, ironically the M4 had a higher MSRP of about $78xx whereas the M3 was $72xx both cars had drivers assistance, and the M4 had ZCP. I don't know why, but M4s are cheaper to insure for some reason... at least for me.
I would think because M3 has a much longer history therefore insurance companies can see what the typical accident rate for an M3 would be. Wait a few more years, I'm sure the difference will become negligible.
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      12-18-2017, 10:51 PM   #692
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Insurer: Mercury
Multi-policy Discount: Yes - Multiple Car (3)
Cost: $850/6mo
Coverage: $100K/$300K/$50K
Deductibles: $500 collision/$500 comprehensive
Age Range: 40's
Record: 1 ticket
State: CA
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      12-25-2017, 05:41 PM   #693
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Insurer: USAA
Multi-policy Discount: Yes - Multiple Car (5)
Cost: $590/6mo
Coverage: $500k/$1,000,000/$500k
Deductibles: $500 collision/$500 comprehensive
Age Range: 50’s
Record: 0 tickets
State: CA
Mileage per year: 8,000

Home is also insured with USAA.

Last edited by Egrunt; 12-25-2017 at 05:53 PM.
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      01-14-2018, 07:17 PM   #694
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Insurer: Farmers
Multi-policy Discount: Yes (homeowner)
Cost: $1060 for 6 months
Coverage: $100K/$300K/$100K
Deductible: $2000
Age: 32
Records: 0 tickets
State: IL

Full Coverage (Bodily Injury Liability, Property Damage Liability, Comprehensive, Collision, Uninsured Property Damage, Uninsured Motorist, Underinsured Motorist, Glass)
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Last edited by uniqueMR; 04-02-2018 at 09:48 PM.
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      01-16-2018, 12:40 PM   #695
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Quote:
Originally Posted by uniqueMR View Post
Insurer: Farmers
Multi-policy Discount: Yes (homeowner)
Cost: $503 for 6 months
Coverage: $100K/$300K/$100K
Deductible: $2000
Age: 32
Records: 0 tickets
State: IL

Full Coverage...
$2000 deductible? Geez!!
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      01-16-2018, 02:59 PM   #696
ineedae46m3
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Main Street America
Home and Autos (3)
100/300/100
500 deductible

Age 34 married, no recent ticket convictions

2018 M3 $600 a year
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      01-16-2018, 04:54 PM   #697
DML
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Quote:
Originally Posted by NCThreePedals View Post
Quote:
Originally Posted by uniqueMR View Post
Insurer: Farmers
Multi-policy Discount: Yes (homeowner)
Cost: $503 for 6 months
Coverage: $100K/$300K/$100K
Deductible: $2000
Age: 32
Records: 0 tickets
State: IL

Full Coverage...
$2000 deductible? Geez!!
Horrible :
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      01-16-2018, 05:18 PM   #698
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Insurer: USAA
Multi-policy Discount: Yes - Multiple Car (2)
Cost: $514/6mo
Coverage: $500K/$1000K/$100K
Deductibles: $500 collision/$300 comprehensive
Age Range: 50's
Record: Clean
State: CT
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      01-17-2018, 08:51 AM   #699
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Vehicle: 2018 M3 DCT
Insurer: Nationwide
Multi-policy Discount: Yes - Multiple Car (2)
Cost: $700/6mo
Coverage: $300K/$300K/$100K
Deductibles: $500 collision/$500 comprehensive
Age Range: 35
Record: Clean
State: GA

*** 100% covered with full coverage, liability, comprehensive, uninsured motorist coverage, etc ***
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      01-17-2018, 11:57 AM   #700
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Quote:
Originally Posted by DML View Post
Horrible :
I personally wouldn't make a claim for much less so it makes sense to me.
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      01-17-2018, 12:21 PM   #701
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In Vancouver, Canada.

Age: 20 (19 when insured my E90 M3)
Discount: 15%(When I first insured my car, now Iím at 20% for the next time.)
Insurer: ICBC
Deductible: $300
Forgot what options I have
Insurance Cost: $5.5KCAD/Year (Paying more next year since insurance rates went up 6.4% making my new 5% discount useless.)
Clean Record.
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      01-17-2018, 08:32 PM   #702
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I had Geico for like 15 years. M3 finally made me make the move to Progressive, it was like half the cost for the same level of coverage.
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      01-17-2018, 09:07 PM   #703
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Quote:
Originally Posted by shahrez View Post
I was quoted $200 less for an M4 than an M3, ironically the M4 had a higher MSRP of about $78xx whereas the M3 was $72xx both cars had drivers assistance, and the M4 had ZCP. I don't know why, but M4s are cheaper to insure for some reason... at least for me.
I saw on another car forum the reason why the M3 costs more to insure than the M4 is due to data from the IIHS where the M3 has a higher claim severity and overall loss than the M4. The IIHS highest overall losses are:

1-3 are Bentley
4 BMW i8
5 Maserati
6 BMW M6
7 Audi RS7
8 BMW M3
9 BMW M4
10 Maserati
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      01-19-2018, 04:13 AM   #704
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Vehicle: 2018 M3 6MT
Insurer: AAA
Multi-policy Discount: Yes - Multiple Car (3)
Cost: $1850/12 months
Coverage: $500K/$500K/$500K
Deductibles: $500 collision/$100 comprehensive
Age Range: 55
Record: Clean
State: CA
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