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F30 / F31 / F32 / F33 (2012 - current)
The sixth generation 3 series, chassis code F30. 2013 model year 328i and 335i sedans now in production. Read the F30 frequently asked question thread for all your basic question and dive into all the details in the ultimate F30 information thread.

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  #1  
Old 04-11-2014, 02:51 PM
pflau pflau is online now
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I'm surprised how little insurance costs..

My new insurance policy arrived and I am quite surprised at how low it is. I have a loaded 328i with the MSRP of 52K and the policy costs less than my last car which was a 15 year old Toyota "sporty" convertible. The BMW is worth 10x the market value of that Toyota and is 50% quicker. Is the BMW becoming a family sedan sorta car now? If BMW is targeting the Lexus and Mercedes buyers and is positioning the 328s as such hey I have no problem with it if it keeps my insurance cost that low.
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  #2  
Old 04-11-2014, 02:53 PM
Gary J Gary J is offline
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Insurance savings because your BMW is many times safer than a 15 year old Toyota.
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  #3  
Old 04-11-2014, 03:01 PM
pflau pflau is online now
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Quote:
Originally Posted by Gary J View Post
Insurance savings because your BMW is many times safer than a 15 year old Toyota.
Well I guess that makes sense as this car is 900lb heavier and got airbags everywhere.

Really though how I wish this car could weight less than 2700lb it would be so much more fun but with today's safety regulation it's not going to be possible.
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  #4  
Old 04-11-2014, 03:07 PM
Gary J Gary J is offline
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Quote:
Originally Posted by pflau View Post
Well I guess that makes sense as this car is 900lb heavier and got airbags everywhere.

Really though how I wish this car could weight less than 2700lb it would be so much more fun but with today's safety regulation it's not going to be possible.
If you say so. I would like a chance at being bigger than the other guy in an accident.
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  #5  
Old 04-11-2014, 03:07 PM
pflau pflau is online now
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On second thought maybe it has to do with the demographic of 328i owners - most of them probable drive it like a Camry and would've gotten a Camry if not because they have a few more dollars to spend.
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  #6  
Old 04-11-2014, 03:48 PM
falar falar is online now
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Yes, insurance is very reasonable on the 3 series and not only because of how safe they are but the cars are also very unlikely to be stolen.
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  #7  
Old 04-11-2014, 03:58 PM
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Dave 20T Dave 20T is offline
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Insurance in Vancouver, BC seems to be double that of Seattle, WA. The cost for a BMW isn't excessive, compared to other cars, though.

In British Columbia, there is a single payer system, the government owned ICBC. Some attribute the high cost to high expenses and waste.
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  #8  
Old 04-11-2014, 08:40 PM
livewyr25 livewyr25 is offline
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My new 328xi is only $7 more a year in insurance than my old 2009 G37
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  #9  
Old 04-12-2014, 12:49 PM
vishal500 vishal500 is offline
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i dunno. i think im getting hosed. i need to shop my rate i guess. i got 2010 328i as a part time/low mileage car as I drive a company car all week. Im paying 112 month with good driving record.
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  #10  
Old 04-12-2014, 12:52 PM
pflau pflau is online now
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Quote:
Originally Posted by livewyr25 View Post
My new 328xi is only $7 more a year in insurance than my old 2009 G37
But your car was a 2009 Infiniti, my car was 1998 Toyota.
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  #11  
Old 04-12-2014, 12:58 PM
pflau pflau is online now
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Quote:
Originally Posted by vishal500 View Post
i dunno. i think im getting hosed. i need to shop my rate i guess. i got 2010 328i as a part time/low mileage car as I drive a company car all week. Im paying 112 month with good driving record.
But that's about what I pay. I got full coverage with $1000 deductible. And I specified that I use the car for commute. And my Toyota was for leisure.

Another thing though is that I register the Toyota in the Bronx, my current BMW is registered in Westchester. Maybe that make a difference.

Well, I guess my deal is not that great, it seems to me now insuring a 1998 Celica convertible is expensive.
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  #12  
Old 04-12-2014, 01:24 PM
vishal500 vishal500 is offline
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so many factors involved with rates. all that matters is that you can afford it.
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  #13  
Old 04-12-2014, 03:44 PM
thegandalf thegandalf is offline
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I pay abou $145 per month for both my Ody and my AH3.
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  #14  
Old 04-13-2014, 03:40 AM
glangford glangford is offline
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I was surprised as well. I was looking at a VW TDI as well. I called my agent and was told the insurance on the TDI was more expensive than the 328d.
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  #15  
Old 04-13-2014, 03:52 AM
Kafkaesque320 Kafkaesque320 is offline
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My 2014 is $10 a month less than my 2010 GTI was. $114 vs. $124.
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  #16  
Old 04-13-2014, 07:15 AM
Dippydo Dippydo is offline
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Yup my 2012 328 is cheaper than my 2003 Acura TL. I was shocked/thrilled. Got a new car and insurance was cheaper.
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  #17  
Old 04-13-2014, 09:36 AM
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Orient330iNYC Orient330iNYC is offline
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Quote:
Originally Posted by pflau View Post
Another thing though is that I register the Toyota in the Bronx, my current BMW is registered in Westchester. Maybe that make a difference.
my insurance rates dropped by 66% when i moved from brooklyn to downtown Manhattan 10 years ago
location is huge, they base your risk on the loss data for you registration address.
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  #18  
Old 04-13-2014, 09:42 AM
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furby076 furby076 is online now
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Quote:
Originally Posted by pflau View Post
My new insurance policy arrived and I am quite surprised at how low it is. I have a loaded 328i with the MSRP of 52K and the policy costs less than my last car which was a 15 year old Toyota "sporty" convertible. The BMW is worth 10x the market value of that Toyota and is 50% quicker. Is the BMW becoming a family sedan sorta car now? If BMW is targeting the Lexus and Mercedes buyers and is positioning the 328s as such hey I have no problem with it if it keeps my insurance cost that low.
As said, it's a much safer car. Also, the price of the car has little influence. My 2006 to 2013 BMW had very little price difference.

Quote:
Originally Posted by pflau View Post
Well I guess that makes sense as this car is 900lb heavier and got airbags everywhere.

Really though how I wish this car could weight less than 2700lb it would be so much more fun but with today's safety regulation it's not going to be possible.
That's not the real reason. This car is heavy because they use heavy materials. Look at what the body is made from. Airbags don't add an incredible amount of weight.
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I agree with furby
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Originally Posted by guerilla twang View Post
Hahahaha, I like you furb, you like to live dangerously.
Quote:
Originally Posted by ProfessorCook View Post
I started to google to find a picture to match furby's suggestion to Gia, but it quickly became clear it was an inappropriate search to conduct at work.
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  #19  
Old 04-13-2014, 09:47 AM
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furby076 furby076 is online now
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Tips on insurance:
1) Bundle. The savings is crazy. Years ago I had car insurance for $2000 (just about). The guy told me to get renters insurance. Why? The discounts. I got 10% discount on my car insurance. Then got 20% discount on the renters insurance. Oh, the renters insurance was $200. So With a 10% discount on the car insurance (which comes to $200)...It made the renters insurance equate to $0...but wait...I got a 20% discount on my renters insurance (because of the car), which reduced that price to $160. The math is done on the non-discount price....So essentially, I got renters insurance and paid $40 less on my overall policy if I did not get renters. Let's do the math $2000 (Car) + $200 (renter). - $200 (car discount) - $40 (renter discount) = $1940. If I just had the car insurance I would have paid $2000. Now add other insurance add-ons and more discounts
2) Call every 6 months to various insurance companies and switch. Just make sure you get a similar policy. You will save more money. There is no discount for being loyal (not a meaningful one anyhow). Your car loses value year over year, and yet your insurance doesn't go down...switch and watch it go down

That's my money saving tips.
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Quote:
Originally Posted by cwinter View Post
I agree with furby
Quote:
Originally Posted by guerilla twang View Post
Hahahaha, I like you furb, you like to live dangerously.
Quote:
Originally Posted by ProfessorCook View Post
I started to google to find a picture to match furby's suggestion to Gia, but it quickly became clear it was an inappropriate search to conduct at work.
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  #20  
Old 04-13-2014, 11:28 AM
Squiddie Squiddie is offline
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Insurance cost depends largely on how likely people who drive a particular model of car are to crash it, at least here in MA.

Go cheap-medium price coupe and you pay a lot more. Also, everything Acura.

People who drive 4-door 3-series are all bark and no bite according to the insurance companies. Or very good drivers.
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  #21  
Old 04-13-2014, 12:20 PM
wedatcana wedatcana is offline
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it is cheeper because drivers of these cars are not aggressive drivers who get into accidents. Hate to say it, but a lot of people get a 3 to go to the grocery store, mall, or to work in a bmw, never to use it for any performance driving. Thanks to those people - they keep up sales and keep insurance costs lower.
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  #22  
Old 04-13-2014, 12:37 PM
Danman5666 Danman5666 is offline
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I pay $67 dollars a month through State Farm for mine, 100k/500k maximums with a $500 dollar deductible. Going from my 2009 335 to 2014, it went up a dollar a month. I'm assuming this was because of the value of the vehicle.
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  #23  
Old 04-13-2014, 02:26 PM
pflau pflau is online now
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Quote:
Originally Posted by Squiddie View Post
Insurance cost depends largely on how likely people who drive a particular model of car are to crash it, at least here in MA.
At least I have saving money as a compensation for lack of exclusivity. Oh well.
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  #24  
Old 04-13-2014, 02:34 PM
pflau pflau is online now
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Originally Posted by wedatcana View Post
it is cheeper because drivers of these cars are not aggressive drivers who get into accidents. Hate to say it, but a lot of people get a 3 to go to the grocery store, mall, or to work in a bmw, never to use it for any performance driving. Thanks to those people - they keep up sales and keep insurance costs lower.
I've noticed that BMW _never_ promote their regular 3 series car as performance cars in their advertisement. They are advertised as luxury cars and the only place you see anything about performance is in their 0-60 number hidden somewhere in their website. I guess they don't need to sell their cars to those who are looking for performance as those kind of drivers know enough to seek out the brand.
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  #25  
Old 04-13-2014, 02:46 PM
Gary J Gary J is offline
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M is performance.
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