 » Site Navigation | | | | » Recent Threads | | | |  |  |  | |  03-18-2005, 11:11 PM | #1 | | Senior Member Join Date: Jan 2004 Location: MD/VA/DC Posts: 834 |  how old are you and how much is your car insurance
im 20 and look for a good car insurance |  |  | | 03-18-2005, 11:17 PM | #2 | | Senior Member Join Date: Oct 2004 Location: Marietta, GA Posts: 124 |
I'm 23 and pay 97 per month, All State. | | | | | 03-18-2005, 11:30 PM | #3 | | I miss my Ti....... :( Join Date: Nov 2003 Location: Los Angeles, CA Posts: 828 | I am 24 ..
Quote: | Originally Posted by mischief im 20 and look for a good car insurance | I pay $2600 / Year Three cars 1999 318TI, 1995 318IS, & 1982 320i Wawanesa Insurance (They only do Cali.) -Chad | | | | | 03-18-2005, 11:45 PM | #4 | | doesn't care about you. Join Date: Aug 2004 Location: Denver, CO Posts: 3,925 |
I'm 24, I only insure my 1997 318ti. I only pay $264 for 6 months thru American Family (full coverage). Buy a house, it dropped my payments by almost $40/month. __________________ 
'99 Dinan M3 | | | | | 03-19-2005, 01:00 AM | #5 | | Senior Member Join Date: Jun 2003 Location: Greenville, SC Posts: 9,356 |
So much depends where you live.
I just renewed my policy.
2003 Mini Cooper S $1094.40
1996 BMW 318ti $957.80
1990 Mazda MX6 $ 870.80
Uninsured Motorists $113.20
Total $3036.20 (yearly)
2 drivers 48, 49 married
passive restraint discount • 5 Year Accident Free • 3 Year Accident Free • Multi Car • Long Term Customer • New Vehicle • Multi Line __________________ ...steven
BMW CCA #146825
1996 BMW 328ti • 2003 MINI Cooper S • 2016 M235i
www.bmwcca.org
| | | | | 03-19-2005, 02:27 AM | #6 | | aka Stabby Join Date: Nov 2004 Location: Mead, CO Posts: 5,336 |
would also help if people were actually listing their coverages with deductibles as that makes a large difference. i also believe they "reward" you for being with the company over time (loyalty), in other words, all things equal, you'll have lower payments vs someone who just joined them. may be more perception than reality ... who knows.
state farm (zip code 53182, WI), 34 yo, 6 month cost:
(reductions for multiple line [think auto + renters], vehicle safety, accident free)
liability (100|300|100) $152.00
medical payments (25) $ 22.44
comp (250 deductible) $ 60.41
collision (500 deductible) $ 87.39
uninsured (100|300) $ 6.66
underinsured (100|300) $ 7.03
======================
total $ 335.93 __________________ 1996 318ti, California package, 267k miles
current mods: bilstein sports, bavauto springs, e30 m3 LCABs, solid metal ball joints, bavauto RSMs w/reinforcements, e30 3.73 LSD & halfshafts, supersprint cat-back exhaust, turner rear sway bar reinforcements, IE poly subframe & RTABs + camber/toe kits, powdercoated e36 32x front calipers, sport mirrors, H&R 28mmF/19mmR sway bars, x-brace, auto solutions SSK w/poly bushing upgrade, BMW CD43 head unit, DICE HD Radio w/iPod integration and "stealth" HD antenna, staggered style 68s, orange electronic TPMS, leather arm rest, JT Designs metal undertray
acquired and awaiting install: heated seat kit, cali top switch relo, lumbar support kit, park distance control kit, heated washer nozzle kit, m-coupe rear subframe, trailing arms, differential, and halfshafts, m-coupe front/rear brakes with master cylinder, under hood light kit, mud flaps, rear sun blind, auto-dimming rear view mirror, tilt steering wheel retrofit, apexcone 5000K HIDs with 55W ballasts
2002 X5 4.4 Sport Package, 53.5k miles
Current Mods: e46 m3 steering wheel | | | | | 03-23-2005, 11:12 PM | #7 | | Senior Member Join Date: Feb 2005 Location: Essex UK Posts: 164 |
A question......do not your modifications to the vehicles over there in the US have to be declared to the insurance company? and if so how much of a difference does it make?
318ti 98MY standard.....wifes insurance....fully comp....age 47.....£220 | | | | | 03-23-2005, 11:25 PM | #8 | | Senior Member Join Date: Dec 2004 Location: Garden City, NY/Daytona Beach, FL Posts: 228 |
That's a good question about modifications... I actually have no idea... should probably look into that.
On my caddy (92 El Dorado), on an NY Policy with Traveler's Insurance, I was paying $4500 a year! Now that I'm contracted with Navy ROTC, I insure my 97 318ti through USAA, and I pay around 1500 a year... I don't even wanna think what it would have been if I hadn't gone through USAA...
EDIT: By the way, both of those rates are with NO accidents or traffic violations on record.
EDIT2: Oh yea, I'm 19 __________________ ---------------------------------------
'97 Hellrot 318ti - Active, 5 speed
17'' BMW Motorsport Wheels
ACS-"Style" (E-Bay, haha) Racing Pedals
M Frontspoiler (OEM)
Alpine CDA 9827 MP3/CD Head Unit
Alpine E12 Subwoofer (now stolen)
Audiobahn A4002T Amp (also now stolen)
Dented driver side fender (provided courtesy of blind 80 year old woman)
Keyed passenger door (provided by someone who likes to key red cars)
Soon to come (now that I've graduated and have a real job)
S52 Engine Swap!!!
Fixing aformentioned damage caused by the elderly and the brain deprived
Supersprint Exhaust and Headers
Angel Eye/Projector Headlights
| | | | | 03-23-2005, 11:27 PM | #9 | | islander on the mainland Join Date: Jun 2003 Location: SF Bay Area Posts: 286 |
I have State Farm and pay about $200/month to fully cover my 1996 BMW 318ti and 2004 GMC Yukon Denali XL. I'm 34, married and own my home (my home owners insurance is also with State Farm), so my premiums are pretty good.
As far as coverage of mods, I once asked my agent and was told that so long as I have the receipt and mileage in which they were installed, they will cover it. But I don't believe that's true for every insurance agency and policy. __________________
moku
1996 318ti Cali Top w/ Downing/Atlanta Supercharger
2003 M3 w/ CSL trunk, splitters, & diffuser | | | | | 03-23-2005, 11:31 PM | #10 | | Senior Member Join Date: Feb 2005 Location: Essex UK Posts: 164 |
Quote: | Originally Posted by moku
As far as coverage of mods, I once asked my agent and was told that so long as I have the receipt and mileage in which they were installed, they will cover it. But I don't believe that's true for every insurance agency and policy.
| I wasn't worried about the coverage of the cost of the mods, just the fact that over here as soon as you modify a vehicle the insurance rate shoots up as they consider the vehicle/owner a greater risk! Best regards David (a completely standard 318ti........naturally  ) | | | | | 03-23-2005, 11:37 PM | #11 | | Senior Member Join Date: Dec 2004 Location: Garden City, NY/Daytona Beach, FL Posts: 228 |
Aside from liability, insurance is a friggin racket anyways... I mean, you take 1500 a year (my rate), and put it in a goddamn bank account, I guarantee you you'll be able to pay off any collission you get into. I hate insurance. __________________ ---------------------------------------
'97 Hellrot 318ti - Active, 5 speed
17'' BMW Motorsport Wheels
ACS-"Style" (E-Bay, haha) Racing Pedals
M Frontspoiler (OEM)
Alpine CDA 9827 MP3/CD Head Unit
Alpine E12 Subwoofer (now stolen)
Audiobahn A4002T Amp (also now stolen)
Dented driver side fender (provided courtesy of blind 80 year old woman)
Keyed passenger door (provided by someone who likes to key red cars)
Soon to come (now that I've graduated and have a real job)
S52 Engine Swap!!!
Fixing aformentioned damage caused by the elderly and the brain deprived
Supersprint Exhaust and Headers
Angel Eye/Projector Headlights
| | | | | 03-24-2005, 12:07 AM | #12 | | Senior Member Join Date: Aug 2004 Location: state college, pa Posts: 3,431 |
when i turned 25, my insurance dropped over 55%
i'm on a fleet account with travelers (in PA), and pay about 95/mo. when my life stabilizes a bit, i'll probably join renters/motorcycle (now through state farm) with my auto. | | | | | 11-03-2005, 11:30 AM | #13 | | Junior Member Join Date: Nov 2005 Posts: 2 |
i'm 20, California. mine's at http://www.oneshopinsurance.com cheaper! well, me and my dad are sort of 50/50 'cause he borrows my car every saturday! hehe!  | | | | | 11-03-2005, 04:11 PM | #14 | | Senior Member Join Date: Oct 2004 Location: IDAHO Posts: 134 |
20...... 299 a month  | | | | | 11-03-2005, 05:24 PM | #15 | | doesn't care about you. Join Date: Aug 2004 Location: Denver, CO Posts: 3,925 |
I'm 25. No accidents for 3 years. A couple speeding tickets/disorderly conducts with MV.
$37/month for full converage. American Family Standard. Been with them since I was 16. It's finally starting to pay off. __________________
'99 Dinan M3 | | | | | |
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