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      09-29-2012, 01:23 PM   #1
cacofonix
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Insurance Questions on New E92

Hi Everyone,

My dealer just informed me that my car got here. He also mentioned that insurance is no problem and he will take care of that.

1. Is this a good idea or should I shop around for my own insurance before picking up the car?
2. What is the approx. cost of 6-month insurance on this car assuming standard comprehensive, collision and vandalism?
3. Who is the best insurance provider on this car?


The car is a 2013 Melbourne Red E92 ZCP. I put down 50% and Penfed approved the rest at 1.49%.

Thanks!

Last edited by cacofonix; 09-29-2012 at 01:30 PM.
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      09-29-2012, 01:36 PM   #2
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2008 BMW M3  [4.67]
If you qualify (military, you or direct family member), then call USAA. Outstanding service and very competitive rates.
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      09-29-2012, 01:37 PM   #3
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Quote:
Originally Posted by cacofonix View Post
Hi Everyone,

My dealer just informed me that my car got here. He also mentioned that insurance is no problem and he will take care of that.

1. Is this a good idea or should I shop around for my own insurance before picking up the car?
2. What is the approx. cost of 6-month insurance on this car assuming standard comprehensive, collision and vandalism?
3. Who is the best insurance provider on this car?


The car is a 2013 Melbourne Red E92 ZCP. I put down 50% and Penfed approved the rest at 1.49%.

Thanks!

I work in the ins. business and think your questions are a little ridiculous for an adult buying a 70k car; but yes def shop around for your own insurance; Don't you have ins. now?? Best provider is subjective, but Chubb is prob the best carrier; approx. cost varies based on soooooooooo many variables/

Do your homework yourself rather than ask on an internet forum
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      09-29-2012, 01:38 PM   #4
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also vandalisn is covered under comprehensive
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      09-29-2012, 01:41 PM   #5
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Quote:
Originally Posted by m3an View Post
I work in the ins. business and think your questions are a little ridiculous for an adult buying a 70k car; but yes def shop around for your own insurance; Don't you have ins. now?? Best provider is subjective, but Chubb is prob the best carrier; approx. cost varies based on soooooooooo many variables/

Do your homework yourself rather than ask on an internet forum
Thanks for the info. As for the question of "do I have insurance now" - the answer is yes! I pay $230 for 6 months for a grand total of $460 per annum on my 1997 Honda Accord! So, I don't have much of an understanding about the going prices for insurance and the service levels (I have never interacted with my insurance provider, never called them up.)
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      09-29-2012, 01:42 PM   #6
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When a dealer says he'll take care of the insurance, I believe he/she is thinking that you already have an insurance policy and they are just going to call on your behalf to add the car to your policy. Definetly shop around and don't just do the online quote. After the quote, call in and ask if they have anymore discounts they qualify for.
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      09-29-2012, 01:43 PM   #7
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Quote:
Originally Posted by cacofonix
Quote:
Originally Posted by m3an View Post
I work in the ins. business and think your questions are a little ridiculous for an adult buying a 70k car; but yes def shop around for your own insurance; Don't you have ins. now?? Best provider is subjective, but Chubb is prob the best carrier; approx. cost varies based on soooooooooo many variables/

Do your homework yourself rather than ask on an internet forum
Thanks for the info. As for the question of "do I have insurance now" - the answer is yes! I pay $230 for 6 months for a grand total of $460 per annum on my 1997 Honda Accord! So, I don't have much of an understanding about the going prices for insurance and the service levels (I have never interacted with my insurance provider, never called them up.)
Lol get ready for a jump. I pay $190 per month for top available plan.
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      09-29-2012, 01:43 PM   #8
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Progressive beat USAA on rates. I just switched.
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      09-29-2012, 04:55 PM   #9
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Progressive beat USAA on rates. I just switched.
Uhhh, you get what you pay for. I am just saying......
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      09-29-2012, 05:46 PM   #10
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Quote:
Originally Posted by m3an View Post
also vandalism is covered under comprehensive
fixed.

I have Wawanesa Insurance company. I've had them since 1998.
I am paying for 2 cars, with high limits of liability, 300 deduct, uninsured motorist, towing and labor, and rental. Just Got my annual renewal and it is $1190.
First car is my DD MkV Jetta "09", and the second is 2011 M3 E90.
They are located in San Diego (home office).
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      09-29-2012, 11:16 PM   #11
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Quote:
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Uhhh, you get what you pay for. I am just saying......
read what others on here have said about USAA claims service. I was fed up with their banking services and some recent changes in their offerings so I moved completely away from USAA. used to be good, now, not so much
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      09-30-2012, 07:53 AM   #12
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Believe it or not Geico gave me the best rate (about damn time, sick of gettign 12k dollar a year streetbike quotes)

100/300k , 750 deductibles, and no limitation on lawsuit, quote was 126 a month.

25, 0 points/incidents since licensed at 17. (knock on wood)
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      09-30-2012, 07:54 AM   #13
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Believe it or not Geico gave me the best rate (about damn time, sick of gettign 12k dollar a year streetbike quotes)

100/300k , 750 deductibles, and no limitation on lawsuit, quote was 126 a month.

25, 0 points/incidents since licensed at 17. (knock on wood)
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