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07-17-2010, 05:44 PM | #24 |
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You guys all have it good , im in deeper than all of you
im 21 yrs old just had a accident 2 years ago (not my fault) orderd a 2011 zcp coupe fully loaded paid 50 down and 20 k financed , they said i would be able to keep the car in my name and have it insured under my stepfather's corporate policy (which i currently have a 2008 tl-s insured in the same way) after i sent them the proof of insurance, they said i cant do that, now im stuck trying to get my own policy in NYC Queens which is close to impossible everyone i spoke to so far has givin me rates of 12k + for a 6 month term o_O wich is crazy!! i hate living in nyc i dont know what to do, i really wanted the car before my brithday (25th of this month) but i doubt ill be able to,all i have is 1 broker left who is trying to help me out, but thats my last hope if any of you guys know anyone who can help me obtain my own policy , it would be deeply appricated Last edited by NYCMCBM3; 07-17-2010 at 05:49 PM.. |
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07-17-2010, 05:59 PM | #26 | |
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2011 E92 M3 AW/Fox Red ZCP
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07-17-2010, 06:01 PM | #27 |
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^yeah i didnt really want to owe too much on it, i only financed 20k so i could build some credit
but it sucks so bad that i have been waiting for over 2months for it and now that its so close, i cant even get it shipped to my house without insurance its not even my fault, the guy i orderd it from said it would of been ok and now his manager is saying its not what should i do? |
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07-17-2010, 06:04 PM | #28 |
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i tried that, and it still came up high, i let him take out the policy and add me as a driver, and the manager at passport BMW said that wouldnt work either, i still dont understand why, i did it before
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07-17-2010, 06:07 PM | #29 | |
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P.S. Auto Insurance rates are cheaper in NYC than in Brooklyn, which are a couple of miles apart...
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'11 E92 M3 ZCP SG 6MT Tech Sound USB Heat Cloth Aluminium Sunshade
http://www.m3post.com/forums/showthread.php?t=422151 Last edited by dimabimmer; 07-17-2010 at 08:10 PM.. |
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07-17-2010, 06:23 PM | #31 | |
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However, my advice to you: try to find a friend or a relative or a girlfriend that has an address in NYC- Manhattan and register car there. If you manage to get the policy down to $6k/year,- it might be affordable then?
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http://www.m3post.com/forums/showthread.php?t=422151 |
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07-17-2010, 06:31 PM | #33 |
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^yeah im willing to pay $500 a month since i understand im young, and i know it would go down lower once i get older and have had insurance for a year
but paying 2k a month is just crazy my mom works in the city and her bose is very nice so they might let me do that, thanks for the advice hopefully it all works out, and also my dad lives in CT so it may be way cheaper if i do it down there, but would i need a CT drivers license? |
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07-17-2010, 06:35 PM | #34 | |
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07-17-2010, 06:35 PM | #35 | |
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07-17-2010, 06:53 PM | #39 |
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ive been saving since i was 16 years old , so i think ive earned this , i would to have to give it up just cause of the insurance, i did everything on my own so far
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07-17-2010, 09:10 PM | #40 |
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I'd rather drive a cheap car than paying 10k per year for the insurance... At least not for an M3. Get a used Acura TL or something.
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07-17-2010, 09:20 PM | #41 |
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07-17-2010, 09:26 PM | #42 |
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came from Geico here. i live in Queens, 25 y/o and currently paying $190/month full coverage in Progressive.
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07-17-2010, 10:13 PM | #43 | |
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07-17-2010, 10:49 PM | #44 |
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WOW!!! That is just insane. I do not care how much I loved the car or how much money I made. I could NOT justify paying 13k a year for car insurance...
I am 31 with a clean record no tickets or accidents. (Used to have a DL suspension but that has been off my record for years) With Farmers insurance full coverage (towing, free glass repair, 250 deductable etc etc) to insure both my 2008 135i and 2011 M3 it will be $720 every 6 months. As the Insurance agent stated some things do help. I have a college education discount, multiple car discount, drive each car under 5,000 miles a year discount, home owners discount (I also insure my condo through Farmers), Good driver discount..etc etc. All those things help out. |
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