11-21-2014, 04:11 PM | #177 |
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Seems legit. I have USAA as well and my policy increased $456 with the addition of the M4.
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11-21-2014, 05:24 PM | #179 | |
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11-21-2014, 06:52 PM | #180 |
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11-21-2014, 11:12 PM | #183 |
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I contacted Liberty Mutual earlier this year seeking an auto insurance quote. They claim to offer huge discounts to BMW CCA members. I spoke to an agent. We discussed my vehicles and current coverage and deductibles. I explained I wanted a quote on the exact limits and deductibles so I could compare apples to apples. The agent asked me if I would be willing to install an electronic driving nanny in my vehicle. I said "you want me to install a driving nanny on a M car? No thanks." He genuinely seemed puzzled why I was unwilling to install such a device on my car. I politely suggested that if he would check my driving history, he would discover I have had no accidents or tickets in many many years and only a single claim a few years ago when a rock chipped the windshield on a car I no longer owned. Turns out the quote he gave me was much more expensive than my existing policy.
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11-21-2014, 11:26 PM | #184 |
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My insurance went up an additional $30 every 6 months. I'm sure it all depends on your driving record, age, home ownership, location. A lot comes into play
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12-14-2014, 10:22 AM | #185 |
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My quotes from the following coverage is 100/300, I have personal injury protection $10,000, uninsured motorist protection, rental car $35/day, towing, and a $500 deductible:
1. State Farm (current agent): Approximately $950 every 6 months 2. State Farm (new agent): Approximately $780 every 6 months 3. Allstate: Approximately $1,164 every 6 months 4. GEICO: Approximately $497 every 6 months! Needless to say, Geico is about to earn my business. 29-year-old male, no criminal or driving record, clean as a whistle.. only car on the policy but I'm going to now move my entire family's cars over and see what kind of deal I can get. It also seemed too good to be true but I have the quote in writing!! |
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12-14-2014, 10:33 AM | #186 | |
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I have a good friend that is an insurance agent and he always directs me to the best place for my situation regardless if its with him or not. Originally he switched me to geico for a better rate for my 07 is350, but he said definitely don't do it for the M4. hope this helps |
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12-14-2014, 10:37 AM | #187 |
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You guys posting your rates for the most part are leaving off important factors, prices can vary depending on liability limits, deductibles, how many miles you tell the carrier your driving, uninsured motorist, medical coverages, towing, rental car coverage, etc,,,,,I'll post my rates later today and coverages I use GMAC insurance who changed their name to national general, have not seen better coverage anywhere, in fact my rates went down from a 6 series to an M4. So rates don't mean shit unless you include specifics of the policy.
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12-14-2014, 10:50 AM | #188 | |
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Are you referring to if you hit someone and are the one at fault or a freak-accident occurs and you want to get your car fixed through them? If so, that's definitely a pause for concern for me and something I will have to speak to the agent about. EDIT: You're right. I am no longer switching to Geico - I'll stick with the cheaper State Farm agency and move my policy with that agent. A short internet search turned up this: http://www.teslamotors.com/forum/for...-careful-geico http://geico-reviews.measuredup.com/...ailed-Me-17003 Thank you for saving me a headache in the future. It's worth paying a little more for a quality policy. |
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12-14-2014, 11:02 AM | #189 | |
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12-14-2014, 11:41 AM | #190 |
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I would look for a new agent on principle alone. That kind of carelessness is not assuring when it comes to something important like insurance.
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12-14-2014, 11:41 AM | #191 | |
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Policy coverage's 500,000/ 500,000 Bodily injury Prop. damages 100,000 Uninsured Motorist 500,00/500,000 Loss of use 40/1100 Customization 1500 Collision 500 Full Glass, New car replacement $338.40 every 6 months Just a little more than our 435 Vert
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12-14-2014, 11:45 AM | #192 | |
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I think you meant to quote Arube1 not me...maybe
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12-14-2014, 11:56 AM | #193 |
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Amica; 300/200, full glass, OEM parts replacement with $1000 deductible. I'd have to dig out my insurance policy, but I'm pretty sure I have higher medical payments and rental car insurance coverage. 40 years old no accidents/clean driving record at about $900 a year. My M3 went up $53 a year over my 14 335.
I too got the BMW insurance quote from Liberty Mutual and it was $70 cheaper a year over my Amica policy for similar coverage. I decided to stay with Amica since we've been with them for almost 15 years and didn't think it was worth to switch. We also have life insurance and home owners with them. |
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12-14-2014, 12:58 PM | #194 | ||
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12-14-2014, 01:04 PM | #195 | |
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12-14-2014, 02:10 PM | #196 | ||
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Haha... You guys have it LUCKY... M3 (76k Value) 28yrs old ( 12k a yr, Commute 25miles or more a day to work, AKA: I live out of the state 90% of the time), No Tickets/Accidents and been with the same insurance company since I was 15, single car/driver. Car is registered in Michigan, Metro Detroit. Michigan has the some of the highest insurance rates in the US. However, the benefits are the hard to beat. The pro is if your in an auto accident, you have unlimited medical coverage via Michigan Catastrophic Claim which all Michigan drivers pay into. Note if you need to hit someone do it in Michigan. An yes I did shop around,My '11 F10 550i was $160 less per 6 months. I did look at GIECO and other company's, however the issues is in the fine print, OEM parts, Labor, Liability Limits in other states. Also options for repair, adjustors. I have had 3 hail claims, 1 window( These are free) over the last 5yrs. Each time it has been out of state, I just go get a quote or have had the work done and just fax a copy of the bill. Reimbursement check mailed within 24hrs, no adjustors, questions asked. Residual Bodily Injury 500,000 person/$1 Million occurrence $125.94 Residual Property Damage $ 500,000 occurrence 8.82 Residual Uninsured Motorist $ 500,000 person/$1 Million occurrence 8.31 Underinsured Motorist $ 500,000 person/$1 Million occurrence 20.32 Special Tort Liability $ 1 ,000 occurrence 4.78 Property Protection $1 Million occurrence 13.71 Personal Injury Protection Excess Medical and Full Wage 162.59 MCCNMAIPF/MATPA • 94.67 Comprehensive Actual Cash Value - $ 100 deductible w/ Full Glass 262.66 Collision - Regular Actual Cash Value - $ 250 deductible 627.63 Road Trouble Service $ 50 occurrence 1.00 Additional Expense $ 30/Day, $ 900 Maximum 24.17 TOTAL 6 Months $1,354.60 Last edited by DocWeatherington; 12-14-2014 at 03:01 PM.. |
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12-14-2014, 02:44 PM | #197 | |
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$500,000/ $500,000 is how all my cars are written (5 autos) and my umbrella policy picks up from there (requirement for my umbrella policy). Daily driver...yes Did not ask how many miles or limit on such yearly. I was surprised at the $$ also, my Tundra costs me more than that. I understand what your leading to on "collector or stated value policy's" it is all about are you driving it to work ect.....or how many miles a year....I do have one of those policy's on a MK4 Cobra I put together 2 years ago. This is a straight policy on a no ticket, no accident good customer rate
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12-14-2014, 02:45 PM | #198 | |
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Read the fine print, GEICO may not be the best option. |
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