BMW M3 Forum (E90 E92)

BMW Garage BMW Meets Register Search Today's Posts Mark Forums Read


Go Back   M3Post - BMW M3 Forum > BIMMERPOST Universal Forums > Off-Topic Discussions Board
 
GetBMWParts
Post Reply
 
Thread Tools Search this Thread
      Yesterday, 12:49 AM   #1
BMW F22
Major General
BMW F22's Avatar
United_States
1334
Rep
9,645
Posts

Drives: ///M235i
Join Date: Nov 2005
Location: Bay Area

iTrader: (8)

Which auto insurance company are you with?

Just doing a bit of research on insurance and wondering which company you’re with for insuring your BMW and what’s your coverage? Has your experience been good? Below is what I got from a few that I spoke to.

Progressive: $700/6 months for $100k/300k; $770/6 months for $250/500k. Both include GAP Insurance and road side assistance.
Geico: $900/6 months for $300/500k; a bit less for lower coverage.
AAA: $1,050/6 months for $100k/300k.

Will check out Liberty Mutual, Farmers, Amica and State Farm tomorrow.
Appreciate 0
      Yesterday, 01:01 AM   #2
SakhirM4
Major General
SakhirM4's Avatar
United_States
6448
Rep
6,928
Posts

Drives: '15 SO M4/'01 Dinan Z3 3.0
Join Date: Jul 2014
Location: Austin, TX

iTrader: (0)

Garage List
USAA: $300k/$500k w/$200 deductible - $707/6 month but that is reduced by senior rebates and subscriber savings at the end of the year. Effective rate is then about $500 per 6 months.
__________________
Tejas Chapter, BMW CCA, mem #23915, President 27 years, www.tejaschapter.org
2015 ///M4, SO/full black, 6MT, HK, light 19"
Appreciate 2
BMW F221333.50

      Yesterday, 01:29 AM   #3
nars3000
Major
nars3000's Avatar
United_States
338
Rep
1,095
Posts

Drives: 2017 M3 ZCP
Join Date: Oct 2013
Location: Richmond, CA

iTrader: (15)

That Progressive quote is quite competitive for Bay Area rates. Below is what I'm paying for auto insurance in (west) Contra Costa county:

Mercury Auto -- $2708.40 per 6 months | 100k/300k/100k | 4 cars, 3 drivers

Deductibles: $100 Comp, $500 Collision

Annual Mileage:
2018 M3 ZCP, ZEC: 10-12k miles
2017 M3 ZCP: 10-12k miles
2017 Santa Fe Ultimate SE: 10k miles
2013 C-max Energi SEL: 8k miles

Discounts:
Multi-policy with Mercury Home at $700 annual
Anti-Theft
Anti-Lock
Good driver
Homeowner
Multi-Car
Passive Restraint
Persistency
Appreciate 1
BMW F221333.50

      Yesterday, 05:25 AM   #4
olbond
Registered
0
Rep
1
Posts

Drives: BMW X5
Join Date: Mar 2016
Location: Berlin

iTrader: (0)

interesting topic
Appreciate 0
      Yesterday, 05:49 AM   #5
Joe240
Captain
Joe240's Avatar
United_States
403
Rep
794
Posts

Drives: 2017 m240i xDrive
Join Date: Jul 2016
Location: Pensacola

iTrader: (0)

Garage List
2017 m240xi  [5.00]
100/300/100 for 3 cars/2 drivers with progressive

$100 comp $500 collision deductibles at $1986/6 months. Wife and I are 27.

2017 m240i xDrive
2017 X1 xDrive
2018 Colorado ZR2 v6

This is a Florida rate btw
Appreciate 1
BMW F221333.50

      Yesterday, 06:20 AM   #6
RyderSU
2018 BMW M2
United_States
15
Rep
39
Posts

Drives: 2018 BMW M2
Join Date: May 2018
Location: Pennsylvania

iTrader: (0)

Well,
Seeing as I just rolled an Audi Q5 down a hill (in 8 inches of snow), my insurance is high as hell, Looking at 1550/6 months right now with any company. Right now I'm with travelers. If anyone has any suggestions on who to go with, please let me know. Trying to get closer to 1200/6 months
__________________
///M2 LBB

Ordered 5/6/18(112) | Production Started 5/16/18(150)
Appreciate 1
BMW F221333.50

      Yesterday, 06:24 AM   #7
Joe240
Captain
Joe240's Avatar
United_States
403
Rep
794
Posts

Drives: 2017 m240i xDrive
Join Date: Jul 2016
Location: Pensacola

iTrader: (0)

Garage List
2017 m240xi  [5.00]
You could ride with Shaq and The General sorry, had too
Appreciate 1
      Yesterday, 09:20 AM   #8
Never_Enough
What car next?
Never_Enough's Avatar
United_States
593
Rep
1,911
Posts

Drives: Mazdaspeed6, Miata & Jetta
Join Date: Sep 2013
Location: PA

iTrader: (6)

Erie. I have shopped around, but cannot find a better rate.
__________________
2017 Jetta
1997 Miata M Edition - Supercharged & lots more
2006 MAZDASPEED6 GT *FOR SALE*
IG @Highspeedthinmints
Appreciate 1
BMW F221333.50

      Yesterday, 09:35 AM   #9
wdb
dances with roads
wdb's Avatar
United_States
753
Rep
1,501
Posts

Drives: 2007 Z4MC, 2007 3.0si Cpe 6spd
Join Date: Jul 2015
Location: the perimeter

iTrader: (4)

Erie here too. They cover all our vehicles, plus house and umbrella. 5 vehicles, 2 drivers, $2600/yr.

My previous auto insurance was with Nationwide, which was charging me $1500/yr for a single vehicle.
Appreciate 1
BMW F221333.50

      Yesterday, 09:51 AM   #10
Hawkeye
Brigadier General
Hawkeye's Avatar
No_Country
470
Rep
4,031
Posts

Drives: '07 Z4 si Coupe, '08 R6
Join Date: Aug 2007
Location: Iowa

iTrader: (0)

Garage List
2007 Z4 Si Coupe
2008 R6
2016 Sierra SLT
2017 Camry SE
Homeowners
Personal Items (~50k worth)
$1m Umbrella

250/500 full coverage on all vehicles
1k deductible on all but Camry ($500 deductible)

I pay $1,164 every 6 months for all of this with 2 drivers through State Farm.
__________________
2007 Z4 3.0si Coupe • 6 MT • Black Saphire Metallic • PP • SP • Heated M Seats • Clutch Stop • Stubby
2008 R6 • Raven Black • GPR Steering Stabilizer • Comp Werks FE • Hotbodies Flush Mount Blinkers
2016 GMC Sierra SLT Z71 Premium Plus 4x4 • K&N CAI • Toyo G2 LT305/55R20
Appreciate 1
Ickdeep846.00

      Yesterday, 10:08 AM   #11
peterparker
Captain
115
Rep
811
Posts

Drives: e90
Join Date: Oct 2013
Location: Rochester NY

iTrader: (3)

Garage List
2009 BMW 335i  [0.00]
Progressive.

Standard full coverage on both cars. $500 deductible. 1 Driver. Not really sure the details off the top of my head.

29, Clean record, Rochester NY (Small town, I live in the Suburbs)
$650/6mo

2009 BMW 335i
2006 Honda Civic EX
Appreciate 1
BMW F221333.50

      Yesterday, 11:01 AM   #12
MKSixer
Brigadier General
6951
Rep
4,390
Posts

Drives: 2015 BMW i8, E63 M6, 328d
Join Date: Jun 2015
Location: Southeast United States

iTrader: (0)

Garage List
2016 M4 GTS (Allotted)  [0.00]
2013 BMW 328d  [0.00]
2007 BMW M6  [5.00]
2015 BMW i8  [5.00]
Liberty Mutual
6 Cars, 3 Drivers 100-300-100 $7K Every 6 months. One of the most expensive states in which to insure a vehicle.
__________________
Quote:
Originally Posted by jtodd_fl View Post
Hell, I get random sausage attacks when I go anywhere.

@[Nyet. Not Russian Hacker](contact:368080)
Ask me hacker question. Hacker question I get answer.
Appreciate 1
kscarrol1019.50

      Yesterday, 11:15 AM   #13
BMW F22
Major General
BMW F22's Avatar
United_States
1334
Rep
9,645
Posts

Drives: ///M235i
Join Date: Nov 2005
Location: Bay Area

iTrader: (8)

Looks like most folks have 100/300/100. Curious why you didn't go for higher coverage considering it's maybe $80 more year? I've heard good things about Liberty Mutual and their car replacement policy.
Appreciate 0
      Yesterday, 11:50 AM   #14
Joe240
Captain
Joe240's Avatar
United_States
403
Rep
794
Posts

Drives: 2017 m240i xDrive
Join Date: Jul 2016
Location: Pensacola

iTrader: (0)

Garage List
2017 m240xi  [5.00]
Quote:
Originally Posted by BMW F22 View Post
Looks like most folks have 100/300/100. Curious why you didn't go for higher coverage considering it's maybe $80 more year? I've heard good things about Liberty Mutual and their car replacement policy.
It really depends on the type of cars you drive around as to what kind of coverage you should get. 100k in coverage covers damn near any vehicle I drive around on a daily basis, with the exception of the r8 and the lambo that the doctor in pcola drives.
Appreciate 1
BMW F221333.50

      Yesterday, 12:14 PM   #15
uniqueMR
Major
uniqueMR's Avatar
United_States
488
Rep
1,357
Posts

Drives: 2018 BMW M4 ZCP
Join Date: Dec 2017
Location: Chicago

iTrader: (0)

Check this out: http://f80.bimmerpost.com/forums/sho...ight=insurance

__________________
Currently: 2018 BMW M4 Competition & 2018 Audi S3
Previously BMWs: 2016 340i, 2012 M3 CP, 2003 745Li, 2000 740i
Appreciate 1
BMW F221333.50

      Yesterday, 12:20 PM   #16
zx10guy
Lieutenant Colonel
1307
Rep
1,591
Posts

Drives: 2013 135i
Join Date: Feb 2014
Location: DC

iTrader: (0)

Quote:
Originally Posted by RyderSU View Post
Well,
Seeing as I just rolled an Audi Q5 down a hill (in 8 inches of snow), my insurance is high as hell, Looking at 1550/6 months right now with any company. Right now I'm with travelers. If anyone has any suggestions on who to go with, please let me know. Trying to get closer to 1200/6 months
Good luck finding another carrier which will be cheaper or is even willing to underwrite you with that at fault ding on your record. Travelers pretty much has you locked in for 3 years until that ding is not even looked at.

On the subject of Erie, I will never consider them even if they are hundreds less because of the shady terrible experience I had trying to get coverage through them as a new customer.
__________________
Quote:
Originally Posted by Lups View Post
We might not be in an agreement on Trump, but I'll be the first penis chaser here to say I'll rather take it up in the ass than to argue with you on this.
Appreciate 1
BMW F221333.50

      Yesterday, 12:28 PM   #17
1and1
Loves me some MHD!
1and1's Avatar
United_States
780
Rep
896
Posts

Drives: faster than he should...
Join Date: Jul 2016
Location: Tally, FL

iTrader: (1)

Garage List
'09 135i  [5.00]
Can't really compare rates without all the demographic stuff to go with em- age, driving record, criminal record, credit rating, not only what city/state, but where exactly in that city, miles driven per year etc....

Insurance companies do some serious background inquires these days, which is why so many want your SS number for even a quote. Which bugs the heck outta me!

FWIW, I'm State Farm, and right at $606 for 6 months. Been with em for ~30 years and have so many discounts stacked up now that comparison shopping never comes close
__________________
1and1
135i - E82.N54 2009 BSM - MHD S1 / xHP S2 / WL RSFI, Koni Street & Eibach Pro-Kit springs / EBC Red's & Firehawk 500's
X1 - E84.N20 2013 MGM - Stock - The Wife's
Appreciate 1
BMW F221333.50

      Yesterday, 12:31 PM   #18
BMW F22
Major General
BMW F22's Avatar
United_States
1334
Rep
9,645
Posts

Drives: ///M235i
Join Date: Nov 2005
Location: Bay Area

iTrader: (8)

Agreed. I called Progressive yesterday and they asked for birthday, address, phone number, etc. those are standard so I gave it. Then they asked for SSN and I told them no. Do what you have to but I'm not giving that out before even deciding to go with you guys. They said okay but we'll still look at your background with the info you've given us. I was fine with it since it's a soft pull. It's annoying for sure.

Quote:
Originally Posted by 1and1 View Post
Can't really compare rates without all the demographic stuff to go with em- age, driving record, criminal record, credit rating, not only what city/state, but where exactly in that city, miles driven per year etc....

Insurance companies do some serious background inquires these days, which is why so many want your SS number for even a quote. Which bugs the heck outta me!

FWIW, I'm State Farm, and right at $606 for 6 months. Been with em for ~30 years and have so many discounts stacked up now that comparison shopping never comes close
Appreciate 1
1and1779.50

      Yesterday, 12:35 PM   #19
GOLFFRR
GOLFFRR's Avatar
4854
Rep
23,621
Posts

Drives: GOLFFRR cart
Join Date: Mar 2009
Location: Solvang, CA/Camarillo, CA

iTrader: (4)

make sure on your binder you have it noted that you only want brand new OEM replacement parts. If not you will get refurbished parts that are covered by their warranty. This can come back to burn you. If I wasn't in the situation I am, I would have been screwed when I was with Gieco and I hit a deer years back. They would only offer me refurbished parts and or the value of those parts which was WAY lower then OEM parts. for someone who would have to pay full cost for OEM parts it would have been a crapload of money.

Im with and have been with since that day with Farmers, also have it noted only replace with OEM brand new parts.
__________________

BEFORE YOU BUY YOUR NEXT BMW, PM ME FIRST WE CAN HOOK YOU UP!
Jimmy Bach: jbach@stevethomasbmw.com - Cell:805-807-1989
If you have any issues getting a hold of Jimmy B PLEASE PM me, I'm available everyday till 545pm!
Appreciate 1
BMW F221333.50

      Yesterday, 12:41 PM   #20
000ooo000
Enlisted Member
8
Rep
49
Posts

Drives: 2011 e92 335xi
Join Date: Jan 2018
Location: Cleveland, OH

iTrader: (0)

Geico seemed to be the cheapest for me by a lot. About $560/6 months with standard coverage and 500 deductable. 23 with a clean driving record, although i classified it as pleasure only and my yearly milage is set pretty low, like 8 or 10k so I think that's a big part of it too. Other companies were around $1100..
Appreciate 1
BMW F221333.50

      Yesterday, 12:52 PM   #21
kscarrol
Colonel
kscarrol's Avatar
United_States
1020
Rep
2,920
Posts

Drives: 2011 E90 M3
Join Date: Jun 2010
Location: New Orleans, LA

iTrader: (0)

Quote:
Originally Posted by MKSixer View Post
Liberty Mutual
6 Cars, 3 Drivers 100-300-100 $7K Every 6 months. One of the most expensive states in which to insure a vehicle.
I feel your pain... literally!
__________________
2011 Space Grey E90 M3, DCT, Comp. Pkg.
1997 Z3 2.8, Artic Silver, Tanin Red interior, MT
1974 2002tii, Inka, 5 sp manual
BMWCCA # 327475
Appreciate 1
MKSixer6951.00

      Yesterday, 12:54 PM   #22
NEFARIOUS
Captain
NEFARIOUS's Avatar
United_States
263
Rep
658
Posts

Drives: 06 330xi Sedan
Join Date: Sep 2013
Location: Baconville, BN

iTrader: (0)

Garage List
Send a message via ICQ to NEFARIOUS Send a message via AIM to NEFARIOUS Send a message via Yahoo to NEFARIOUS Send a message via Skype™ to NEFARIOUS
I have Wawanesa, which even beats out Geico by at least $20/mo and only about one of 3 companies I've found that is below $100. 32 with clean record, $500 comp+col deductible, about $72 a month for Huntington Beach, CA.
__________________
Quote:
Originally Posted by jtodd_fl View Post
NEFARIOUS would totally rock the dreads if he could.
::THE MACHETE::
Appreciate 1
BMW F221333.50

Post Reply

Bookmarks

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off


All times are GMT -4. The time now is 08:12 PM.




m3post
Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST