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Go Back   Bimmerfest - BMW Forums > BMW Model Discussions > 3 Series / 4 Series > E46 (1999 - 2006)

E46 (1999 - 2006)
The fourth generation 3 Series (E46 chassis) was introduced in 1999 and set the standard for engineering and performance during it's years of production including being named to Car & Driver's 10 best list every one of those years! ! -- View the E46 Wiki

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  #1  
Old 11-21-2012, 10:30 AM
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kbeamer kbeamer is offline
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Mein Auto: 2002 330ci
What's your car insurance cost you?

So this is related to all e46 owners. I have been debating on switching companies for some time. I have searched around an spoke with a few other companies I'm just curious what everyone else pays.

A little back round. I'm now 21, no accidents, no tickets, only issue was one comprehensive claim for a tractor and trailer loosing his spare tire an it met my front end. I've had my car going on three years my insurance started at 158$ per month for 12 months. Every October it goes down. It is current sitting at 136.25 per month for 12 months. I carry Erie car insurance. Car never had a loan either and I am in Eastern PA

Edit: I do carry full insurance.

What do you pay and what company do you carry?

Last edited by kbeamer; 11-21-2012 at 10:36 AM.
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  #2  
Old 11-21-2012, 10:33 AM
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MalibuMafiaV MalibuMafiaV is offline
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Well I pay for two cars both FULL coverage on one plan with state farm. I pay $275 a month. It would be cheaper to if some things weren't on my record....
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  #3  
Old 11-21-2012, 10:35 AM
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kbeamer kbeamer is offline
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Yeah with my new 3 series my insurance is going to jump to 260 a month. Will be happy to hit that 25 age mark when it gets really low.
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  #4  
Old 11-21-2012, 10:43 AM
cadieuxj cadieuxj is offline
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Mein Auto: 2006 300xi
2006 3 series, 26 years old, $120 a month. Don't get your hopes up with the "25" price drop..when I turned 25 mine went down by $80 a year...no tickets, no accidents, no claims. when you get married that's when you'll see a big drop!

Last edited by cadieuxj; 11-21-2012 at 10:45 AM.
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  #5  
Old 11-21-2012, 10:44 AM
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MalibuMafiaV MalibuMafiaV is offline
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Quote:
Originally Posted by kbeamer View Post
Yeah with my new 3 series my insurance is going to jump to 260 a month. Will be happy to hit that 25 age mark when it gets really low.
Yeah I'm pretty sure that's why my insurance is only 275 for a bmw and an exotic full coverage. I couldn't imagine if I wasn't past the age of 25 how much it would be
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Audi S4 2000 Stage 3 - Dat turbo spool
BMW 2000 3-series - Supercharged Because race car SOLD
Maserati 2004 M128 GT - HREs/tint/straight piped SOLD
BMW 2006 M3 - stock - SOLD
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  #6  
Old 11-21-2012, 10:48 AM
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kbeamer kbeamer is offline
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My car insurance will go down to under 80 a month at 25 years of age. Not a big deal I was just curious what every one else paid.
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  #7  
Old 11-21-2012, 11:03 AM
jdauria jdauria is offline
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2000 323ci & 2006 X3. I pay under $148/month for both. 23 years old
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Last edited by jdauria; 11-21-2012 at 11:08 AM.
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  #8  
Old 11-21-2012, 11:06 AM
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MalibuMafiaV MalibuMafiaV is offline
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Quote:
Originally Posted by kbeamer View Post
My car insurance will go down to under 80 a month at 25 years of age. Not a big deal I was just curious what every one else paid.
I've never seen insurance bellow $140 in my days
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BMW 2006 M5 - REALLY LOUD
Audi S4 2000 Stage 3 - Dat turbo spool
BMW 2000 3-series - Supercharged Because race car SOLD
Maserati 2004 M128 GT - HREs/tint/straight piped SOLD
BMW 2006 M3 - stock - SOLD
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  #9  
Old 11-21-2012, 11:08 AM
Hemorrhage Hemorrhage is offline
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Mein Auto: BMW 335xi
For full-coverage on my 2007 335xi saloon, I pay $128 a month.

I'm 20. No tickets. No nothing.
I'm on my own plan.

I have StateFarm:
Student discount.
Driving school discount.
Steer-clear discount.
Family member in household discount.
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  #10  
Old 11-21-2012, 12:03 PM
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Coconutpete Coconutpete is offline
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1200/yr for a 2001 Rav4, a 2006 330 and a 2001 V70.
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  #11  
Old 11-21-2012, 12:22 PM
colwell2008 colwell2008 is offline
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Well, I think how much the insurance covers influences the most on the price... Mine is around 500 for 6 months. I do not have collision. But I increased the liability coverage to the most at a reasonable price.
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  #12  
Old 11-21-2012, 12:24 PM
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MalibuMafiaV MalibuMafiaV is offline
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Quote:
Originally Posted by colwell2008 View Post
Well, I think how much the insurance covers influences the most on the price... Mine is around 500 for 6 months. I do not have collision. But I increased the liability coverage to the most at a reasonable price.
$500 for 6 months!?. That's so freakin cheap.
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BMW 2006 M5 - REALLY LOUD
Audi S4 2000 Stage 3 - Dat turbo spool
BMW 2000 3-series - Supercharged Because race car SOLD
Maserati 2004 M128 GT - HREs/tint/straight piped SOLD
BMW 2006 M3 - stock - SOLD
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  #13  
Old 11-21-2012, 12:56 PM
JBimmer92 JBimmer92 is offline
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Mein Auto: 2004 BMW 330xi Sport
I'm 20, no accidents, no tickets, and I carry liberty mutual with the BMWCCA discount and I'm still at $239.00 a month for 12 months with my 2004 BMW 330XI and that's full coverage, got a loan on it.
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  #14  
Old 11-21-2012, 01:40 PM
FredoinSF FredoinSF is offline
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Mein Auto: 650i 330cic X5d MINI
So much has to do with age, the state or city you live in, your driving record, previous losses, and also what coverage you have (liability amounts, collision / comp coverage and dudctible).

For the 330ci I pay $512 a year from a top tier insurer for a car garaged in Reno with maximum liability coverage and $500 collosion deductible / $250 comp. I'm in my early 40's, no tickets for five years, no accidents / collision claims since 1992 although I had a comp total loss in 2007. When the car was new I was paying over $2,000 a year for the same coverage with the car garaged in San Francisco.

My 07 650i is $930 a year, the 06 MINICooper S is $650, and the 2012 MINI Countryman is $792 (all for 12 months.)
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  #15  
Old 11-21-2012, 05:46 PM
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halltristan halltristan is offline
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You all probably won't believe this but it's true:

I pay about $45 a month for two BMWs (325i and X3 3.0L). That includes full coverage on both vehicles with a $500 deductible. I just got my bill for the next six months.... $269.00. Best insurance rate ever.
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Last edited by halltristan; 11-21-2012 at 05:50 PM.
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  #16  
Old 11-21-2012, 10:05 PM
lgr122 lgr122 is offline
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Mein Auto: BMW e46 1,9l M43
Mine is about 160€ for three months, making about 640€/year total.
Should start shrinking bit though when i didn't have any accidents.
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  #17  
Old 11-22-2012, 01:40 AM
e46_platform e46_platform is offline
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Quote:
Originally Posted by halltristan View Post
You all probably won't believe this but it's true:

I pay about $45 a month for two BMWs (325i and X3 3.0L). That includes full coverage on both vehicles with a $500 deductible. I just got my bill for the next six months.... $269.00. Best insurance rate ever.
wow... which insurance company is it?
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  #18  
Old 11-22-2012, 03:59 AM
stickbuilder stickbuilder is offline
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If any of you are prior Military or if your Grandfather, Father, Mother, Brother or Sister are in or were in the Military, check with USAA. I pay around 500 every 6 months for both cars that are daily drivers. I also have insurance with them for the occasionally driven cars. They are the least expensive that I've found.
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  #19  
Old 11-22-2012, 05:20 AM
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halltristan halltristan is offline
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Quote:
Originally Posted by e46_platform View Post
wow... Which insurance company is it?
usaa
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Last edited by halltristan; 11-22-2012 at 05:23 AM.
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  #20  
Old 11-22-2012, 05:23 AM
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halltristan halltristan is offline
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Quote:
Originally Posted by stickbuilder View Post
If any of you are prior Military or if your Grandfather, Father, Mother, Brother or Sister are in or were in the Military, check with USAA. I pay around 500 every 6 months for both cars that are daily drivers. I also have insurance with them for the occasionally driven cars. They are the least expensive that I've found.
It gets even cheaper if you have multiple products/services of theirs. I have several types of insurance with them, several investment accounts, checking, savings -- the whole nine yards. Additionally, I've never had a wreck and I have a squeaky clean driving record because I went through and had all my speeding tickets expunged (helps that I'm a law student). That's why my car insurance is so cheap.
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Last edited by halltristan; 11-22-2012 at 05:26 AM.
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  #21  
Old 11-22-2012, 07:46 AM
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jonathan2263 jonathan2263 is offline
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Mein Auto: 325iT
I pay $589 every six months for full coverage with a $500 deductible. I'm 49 years old with no current points and my last accident was probably about 20 years ago. My car will be ten years old in January, and at that point I'll raise my deductible to $1000 and that will cut $180 off my payment.
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  #22  
Old 11-22-2012, 08:43 AM
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floydarogers floydarogers is offline
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Mein Auto: 335d, 328d, Toyota T100
Farmers Insurance

I pay just over $300 / 6 months for my 2010 335d with Farmers. High deductible, but maximum coverage. It's lower because all my insurance is with them. I'm also old compared to many here, and have a very good credit rating.

I've checked out a couple others (Liberty Mutual, Allstate) and they would be as high or higher. As mentioned, USAA is probably the lowest. IMO/IME, Progressive is crap - you have have to fight to get them to repair your car properly and completely.

It's surprising how much credence they put on credit ratings - the difference between poor and great is probably 25% of your rate. Accident-free is probably another >25%, and deductible limits is also big.
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  #23  
Old 11-22-2012, 08:56 AM
Spikes007 Spikes007 is offline
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Mein Auto: 02 325xi ZSP
$30/month for 1 way coverage.
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  #24  
Old 11-22-2012, 11:23 AM
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bmw330ci04 bmw330ci04 is offline
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Thank god I don't pay or I'd've been broke a while ago. Since my father told the insurance company that I only "drive on the weekends in his "DD" , while he drives his "weekend car", my insurance is about 1900 a year.

We however did get a quote if I was a full time driver on a VW Jetta; 4100 a year
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  #25  
Old 11-22-2012, 01:10 PM
Hemorrhage Hemorrhage is offline
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Quote:
Originally Posted by bmw330ci04 View Post
Thank god I don't pay or I'd've been broke a while ago. Since my father told the insurance company that I only "drive on the weekends in his "DD" , while he drives his "weekend car", my insurance is about 1900 a year.

We however did get a quote if I was a full time driver on a VW Jetta; 4100 a year
Why so expensive?
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