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07-27-2009, 10:36 AM | #23 |
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I pay $1100 a year for my 09 E92 M3 and my wife's Accord. No accidents, no tickets (great lawyer), own two residences, 800+ credit score, etc. It pays to shop around and it pays to have multiple policies through your insurance provider (auto, homeowners, umbrella, etc.) to maximize your discounts. We are with Allstate and absolutely love their service.
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07-27-2009, 11:03 AM | #24 | |
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Drives: BMW 230i Msport w/LSD
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Garage List 2009 Porsche 911 997.2 [10.00]
2019 Hyundai N (Sold) [10.00] 2013 BMW M3 (Sold) [10.00] 2011 1M Coupe (Sold) [8.78] 2008 E90 M3 (Sold) [8.60] 2007 Z4 Mcpe (Sold) [9.50] 2005 BMW M3 (Sold) [10.00] |
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07-27-2009, 11:34 AM | #25 |
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Agree on Allstate. Since I'm a longterm customer, they actually "forgave" a little $2k incident I had with my last car.
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Greg Lake Oswego, Oregon, USA 2023 M2 Coupe - Brooklyn Grey/Cognac/CF, 6MT; 2020 MB GLE 450 |
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01-14-2018, 08:28 AM | #26 |
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I know this is REALLY old but im trying to decide between e90 m3 and e92 and im currently paying 5k liability insurance on my 335is....? Also farmers..... have 2 accidents one when 17 one when 18 and 2 speeding tickets also 17 and 18...have been clean for 3 years wondering what the fuck is going on? Any suggestion for e90 vs e92 for insurance ?
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01-14-2018, 10:57 PM | #27 | |
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Anyhow, you're paying $5K a year for liability only...is that what you mean? If so...whoa! Anyhow, E90 vs. E92 is not going to be much difference at all for insurance. Maybe a bit more for E92 as insurance companies typically charge more for a coupe than a sedan. Your rate is based on a million different factors in today's insurance world (I've worked in the industry for 20 years now)...age, gender, marital status, education, zip code, credit score, claims history, driving record, coverages/deductibles you select, # of vehicles in household, other policies with same insurer...the list goes on and on... I don't think you'll find huge saving going with one company over another, they all base your rate on all or most of the factors noted above, and then some. The best thing you can do is stop getting into accidents and stop getting tickets and wait it out until your 25...at that point you'll see a significant rate decrease. Or get yourself married, get a degree, move to the country...those will help your rate |
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01-17-2018, 08:35 PM | #28 | |
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i have state farm they are the best rate for me... however Iam old and don't speed ( much ) and haven't had a accident in the early 90's. Keep your nose clean and you rates will slowly go down. Slowly! |
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01-20-2018, 10:50 PM | #29 | |
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01-20-2018, 10:51 PM | #30 |
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thank you :-) noted. Idk how old you're talking, but old man + e92 m3 = PIMP
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01-21-2018, 10:22 AM | #31 |
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Drives: 2013 E92 M3
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01-21-2018, 06:49 PM | #32 |
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01-21-2018, 11:00 PM | #33 |
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01-29-2018, 12:09 PM | #34 |
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Hahaha good guess I am indeed in my 20s. Yes, you still qualify for pimp status... If I saw a 51 year old in an e92 m3...I would know he is a boss.....this car is one of a kind. If I saw 51 year old in m4...thumbs down lol see them all the time but never saw an older gentlemen in an m3 e92....
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02-01-2018, 07:46 PM | #35 |
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My State farm auto renewal came in the mail today and it went up $208.00 per year and iam PISSED OFF !
~ just got off the phone with my agent and was told State Farm has re assessed & raised the rates for owners of 2013 bmw m3's in the king county seattle area , apparently there have been more claims made among many other factors went into the rate increase so time to jack up the prices... on EVERYONE. My record remains 100% clean with No claims or policy adjustments made...no ticket's or accidents but my rates just went up $208 because i have M3 ? F ing unbelievable. Take a clue from a 51 year old pimp...Please dont drive like a dick and ruin it for everyone :-) Thank you. Last edited by 65fastback; 02-01-2018 at 08:03 PM.. |
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02-02-2018, 11:42 PM | #36 | |
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You can shop around, and probably find a better rate. But keep in mind, most of these insurance companies have a 'get you in the door rate' but after a year and/or renewal, your rate will re-adjust based on you driving characteristics. |
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02-03-2018, 11:32 AM | #37 | |
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I totally understand all of that! however what i dont understand is why my agent would say 2013 bmw m3 specifically in your area ( king county ) rate increase. This would not settle anyone down... and if it were explained like you just did i would be slightly more understanding. After we looked at my policy we discovered i qualify for "low milage" 7500 or less a year discount , this all but wiped away the rate increase. I have been with them for 7 years now and have just about every discount they offer multi car / homeowners ect ect..... a few months ago i shopped around and they where the best rate i could find. For those of us not in the insurance business ....Perhaps They should find a better way to explain and notify us policy holders of relevant rate increases rather than slipping it in the fine print on a regular renewal notice and not giving a good explanation when asked. In fact a HORRIBLE explanation! |
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02-03-2018, 11:48 AM | #38 |
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Whoa this are some big insurance bills, I pay $1350 a year for an 04 M3, 08 M3 and an 15 Nissan Altima, and that's with max coverage and an additional max umbrella. Perfect credit and clean record.
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02-03-2018, 11:52 AM | #39 | |
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Drives: 2013 E92 M3
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02-03-2018, 12:21 PM | #40 | |
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In my case my carrier changed how they calculated mileage, instead of distance 1 way to work/school, they are now basing it off annual mileage. Once I updated that, I was able to get back some of the premium increase. Point being, just like you did, it sometimes pays to call your agent/insurance company and double check that you're getting all the discounts you qualify for. Still, your agent's explanation about a '2013 M3' is strange! |
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02-03-2018, 07:07 PM | #41 | |
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$273 is crazy cheap and typical for a less populated area mine is about $670 for 6 months.....Richland WA vs seattle WA rates will be slightly different just slightly HAAAA! Seattle is the new San Francisco minus the good weather |
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02-03-2018, 07:11 PM | #42 | |
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02-03-2018, 10:25 PM | #43 |
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In just north of Seattle, still in King County. Tabs for my 2 cars are due 1 month apart so I bought them at the same time, it was $900ish for both as I recall (this was last summer). My X5 is 3 years newer, it was a few hundred more than my M3.
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02-04-2018, 11:42 AM | #44 | |
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I would venture to guess we pay the highest tab renewal in the country. |
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