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      10-16-2013, 05:18 PM   #1
hogger453
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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.
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      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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Quote:
Originally Posted by hogger453 View Post
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.
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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Quote:
Originally Posted by hogger453 View Post
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.
Must be nice to be over 40 or 50.

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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Must be nice to be over 40 or 50.
Look at you... dropping that age card huh

Quote:
Originally Posted by Endless619 View Post
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.
WTH..... accident forgivness? What Ins carrier are you with?

I also added window/glass protection without deductibles and ALL parts are OEM replacement (assuming its still avail).

Quote:
Originally Posted by Endless619 View Post
Geico told me that if I was over 40 years of age my yearly would be under $800 a year.
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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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!
Which highlights why these threads are meaningless. Without real details on location (actual zip codes), income, credit score and actual coverage amounts (not just "max") among other factors, there is no real way to compare insurance rates...

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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Quote:
Originally Posted by kscarrol View Post
Which highlights why these threads are meaningless. Without real details on location (actual zip codes), income, credit score and actual coverage amounts (not just "max") among other factors, there is no real way to compare insurance rates...

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.
yep agreed, every once in a while, some guy will start a thread "how much do you pay for insurance?" and all chaos breaks loose, b/c no one is comparing apples to apples.

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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Quote:
Originally Posted by Endless619 View Post
Must be nice to be over 40 or 50.

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.
Quote:
Originally Posted by Agent-GHQ View Post

By the time you reach 41, your car may be paid off and you could go with the least expensive route: liability coverage
moot point, Endless like fast cars and faster women, he won't live past 40.
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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, 06:34 PM   #11
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I pay over $200 a month.

WOT
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      10-16-2013, 06:38 PM   #12
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I pay over $200 a month.

WOT
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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Quote:
Originally Posted by Agent-GHQ View Post
Look at you... dropping that age card huh

WTH..... accident forgivness? What Ins carrier are you with?

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
My Lambo during retirement? I doubt it. M3 will be long gone.

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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Quote:
Originally Posted by kscarrol View Post
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.?
maybe he got it confused with his cell phone bill?
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      10-16-2013, 06:56 PM   #15
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Quote:
Originally Posted by mdosu View Post
moot point, Endless like fast cars and faster women, he won't live past 40.
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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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Quote:
Originally Posted by got da booze View Post
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!
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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Quote:
Originally Posted by got da booze View Post
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!
Opps, double post. I live in Southwestern PA
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      10-16-2013, 09:18 PM   #21
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Quote:
Originally Posted by mdosu
dirty cheap, especially for a CA car. What is the mileage restriction? &lt;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!
Good point, but back on topic can you point me in the direction of a touch less car wash for under 6 bucks in Midland?
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      10-16-2013, 09:22 PM   #22
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Another Insurance thread?!

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