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10-16-2013, 05:18 PM | #1 |
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Ins. on a 2013 ZCP
Insured as a pleasure vehicle. I have a company car so I don't use the M for everyday commute.
$800 a year. $500 ded. not bad. Oh, clean record. |
10-16-2013, 05:23 PM | #2 |
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Lucky you! PA insurance rates are super-high. I'm paying $775 every 6 months for a 2011 E90 M3. No tickets, no accidents, ever. Over 30 and married. USAA wanted $1431! I quickly switched to State Farm after a quote like that!
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10-16-2013, 05:24 PM | #3 |
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Not bad, depending on the limits and coverage options. With Geico, and also a clean record + pleasure vehicle status, I'm paying about $950 for a year with $500k/$1M limits and $250 deductibles on my 2013.
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10-16-2013, 05:47 PM | #4 | |
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I am in my 30s, have full coverage with maximum everything, rental car and I pay $840 a year. $500 deductible. I also have accident forgiveness. Geico told me that if I was over 40 years of age my yearly would be under $800 a year.
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10-16-2013, 06:01 PM | #5 | |
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Look at you... dropping that age card huh
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I also added window/glass protection without deductibles and ALL parts are OEM replacement (assuming its still avail). By the time you reach 41, your car may be paid off and you could go with the least expensive route: liability coverage |
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10-16-2013, 06:07 PM | #6 |
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dirty cheap, especially for a CA car. What is the mileage restriction? <5.5k?
Just to give you a sense of CA pricing, I just switched from Virginia to CA (SF Bay area). Same insurer, same coverage, same everything, my premiums jumped 2.5x! |
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10-16-2013, 06:14 PM | #7 | |
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I live in Orleans parish, go three miles as the crow flies to Jefferson parish and I would likely pay 30%-40% less for liability coverage alone. And liability is the biggest cost in insurance, not the actual cost to repair the car.
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10-16-2013, 06:30 PM | #8 | |
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There are so many factors that figure in to your premiums, it's almost impossible to compare it unless all details are written out. People should start with the liability, comprehensive, personal injury, and property damage figures, deductible, multi-line discounts, driving records...and then go from there. |
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10-16-2013, 06:32 PM | #9 | |
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10-16-2013, 06:33 PM | #10 |
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lol, I don't even know what I pay. Is that bad? I have all my insurances wrapped up into a $400 ish a month autopay.
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10-16-2013, 06:38 PM | #12 |
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Not trying to pick on you but this really doesn't tell us anything and really can't be compared with the number others provide. $200 per month for what?? What is your credit score, age, coverage levels etc.?
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10-16-2013, 06:39 PM | #13 | |
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Its all about your driving history, guesstimated mileage a year you drive and AGE is huge. Yup Geico gives you accident forgiveness with so many years of ticket, accident, infraction free.
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10-16-2013, 06:54 PM | #14 |
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10-16-2013, 06:56 PM | #15 |
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10-16-2013, 08:11 PM | #16 |
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I pay over $200 per month on my car insurance.
This thread started about insurance rates per month or per year. Dont understand the quoting my post. But aite hope thats what you were asking for |
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10-16-2013, 08:42 PM | #17 |
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I always wondered about "pleasure car" status. I just bought a Jeep Wrangler and commute with it about half the time. Probably more in the winter.
What would be the implications of changing the M3 to "pleasure car" status in my case? Is insurance not going to cover me if something happens on the commute?
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10-16-2013, 08:44 PM | #18 |
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As I indicated, not trying to pick on you but the point is that simply throwing out a dollar per month figure is really meaningless as there are some many individual factors that go into calculating insurance premiums. For example, how much liability coverage do you have? $50k? $500k? $1 million? That alone will have a significant impact on premiums. Combine that with where you live, age credit score etc and there is simply no way to realistically compare rates without having a lot more information. And no one provides the needed information! We've had countless threads oven this forum covering the subject but they are a waste of time without the proper information to really try and compare.
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10-16-2013, 09:13 PM | #19 |
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You mean Philly insurance rates are super high.. I am over 30 and married with a house and I am paying $1000/ 6 months for '08 M3, '10 A4 and '13 Impreza
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10-16-2013, 09:15 PM | #20 |
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Opps, double post. I live in Southwestern PA
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10-16-2013, 09:18 PM | #21 | |
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10-16-2013, 09:22 PM | #22 |
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Another Insurance thread?!
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