Why is my insurance quote so high?

[Jonjt]

What is this "fall off the record" business you guys are talking about? Insurane companies keep records of your driving history, including tickets and accidents, for far longer than that.

[nujabes24]

Originally Posted by Robz26

23 + speeding + accident. You answered your own question.

Honestly assess how likely you are to get into an accident after you get this car. I think those quotes are fairly priced.

lmao you are right, i'm 24 and have a motorcycle speeding ticket from 3 years ago and my friend totaled my brand new 2012 civic si which insurance said it was my fauly i still pay 363 a month.

[Alan292]

i am almost 30, e90, good credit, nothing on my record and long time customer. statefarm quoted me for 750 for 6 months

[nujabes24]

Originally Posted by Alan292

i am almost 30, e90, good credit, nothing on my record and long time customer. statefarm quoted me for 750 for 6 months

i fucking wish man one more year i turn 25 rates should drop 60%

[kokopuffs405]

24 + 2 Speeding tickets + 1 Accident = 460 a month for me (1 M3 + 1 TL)

Woo!

I pay to play

[Alan292]

Originally Posted by nujabes24

i fucking wish man one more year i turn 25 rates should drop 60%

offtopic but nuabjes = awesome

[s65e90]

Originally Posted by nujabes24

i fucking wish man one more year i turn 25 rates should drop 60%

they won't

[Sedan_Clan]

Yikes! I paid about $1200 a year through State Farm with 100/300 coverage, plus U/I motorist, etc. for my '08 and '11.5 M3's. I'm 34 now, but even when I purchased my first of many M3's in 2003, I still wasn't paying $500-600 a month (..it was less than a couple hundred), and I was 24 at the time with no accidents, but plenty of speeding tickets. I live on So.Cal for reference. Age had less of an effect on my insurance (..referring to the 25+ comments), but years licensed, no accidents, etc. had much more of an effect. When I did have an accident in '06, my insurance spiked by about $125 per 6 month renewal period. I was glad when that accident fell off.

Originally Posted by donovan

Call around...
I am with Statefarm now and pay 580 every 6 mo..

04 m3
no accidents/speeding/ticket
married
27

Even when I was younger(23/24) I only paid like 123 a month when I did have a 2011 e92 m3

This! State Farm is also the go-to for motorcycle coverage. I paid about $20 a month to insure my Ducati 848 and Suzuki GSXR 600.

[Endless619]

Originally Posted by nujabes24

lmao you are right, i'm 24 and have a motorcycle speeding ticket from 3 years ago and my friend totaled my brand new 2012 civic si which insurance said it was my fauly i still pay 363 a month.

Wow, way to much. For $363 a month for me that's a 2012 Lamborghini Gallardo monthly. Well actually its in the $200s... lol

[nujabes24]

Originally Posted by Sedan_Clan

Yikes! I paid about $1200 a year through State Farm with 100/300 coverage, plus U/I motorist, etc. for my '08 and '11.5 M3's. I'm 34 now, but even when I purchased my first of many M3's in 2003, I still wasn't paying $500-600 a month (..it was less than a couple hundred), and I was 24 at the time with no accidents, but plenty of speeding tickets. I live on So.Cal for reference. Age had less of an effect on my insurance (..referring to the 25+ comments), but years licensed, no accidents, etc. had much more of an effect. When I did have an accident in '06, my insurance spiked by about $125 per 6 month renewal period. I was glad when that accident fell off.





This! State Farm is also the go-to for motorcycle coverage. I paid about $20 a month to insure my Ducati 848 and Suzuki GSXR 600.

How do you pay so little for 2010 zx6r I pay 44 a month fuck man

[k-lo]

around $1200 for six months, no accidents, no tickets, 35 YO, married, Esurance with middle tier coverage.

[Sedan_Clan]

Originally Posted by nujabes24

How do you pay so little for 2010 zx6r I pay 44 a month fuck man

My most recent bike was a 2010 Ducati 848 (..my race bike). I have multiple cars on my policy (..2 cars, homeowner's insurance, etc.), so when I added the bike my insurance increased by about $25.

[jin.patrick]

Originally Posted by alee0729

But what's your coverage like. It's easy to get a low quote if you get the bare minimum allowable by law. But it would not be very smart.

Full coverage.
Plus I insure both cars all-year-round. and yeah I pay $1,600
I live downtown montreal

[sterile stork]

$1000 deductibles? Terrible. I pay $486/6 months for maximum coverage with a $250 deductible. I do credit Oregon for helping--moving from Washington dropped my rate a lot, oddly.

25 did result in a huge drop for me.