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E90/E91/E92/E93 (2006 - 2013)
The E9X is the 4th evolution of the BMW 3 series including a highly tuned twin turbo 335i variant pushing out 300hp and 300 ft. lbs. of torque. BMW continues to show that it sets the bar for true driving performance! -- View the E9X Wiki

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  #1  
Old 02-10-2013, 01:44 PM
Karney5 Karney5 is offline
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How much do you pay for insurance?

I am just a little curious as to how much people are paying for their insurance.


I am 17, clean record, and I have to pay $1400 every 6 months for a 2011 328Xi...
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  #2  
Old 02-10-2013, 02:01 PM
SuperTerp SuperTerp is online now
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335x, clean[knock on wood] (although I nailed someone a long time ago and I'm sure even though its passed hurting me they've got it on file), maxed out coverage on everything, 1200 deductible for crash, 200 for comp.

I pay 750 every 6. in my early 20s.
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  #3  
Old 02-10-2013, 02:07 PM
sunny5280 sunny5280 is offline
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Quote:
Originally Posted by mo.karney View Post
I am just a little curious as to how much people are paying for their insurance.


I am 17, clean record, and I have to pay $1400 every 6 months for a 2011 328Xi...
$600 every six months for full coverage with $1K deductible, road side assistance, uninsured motorist, glass coverage, along with $500K liability (higher than the state minimum requirement). This is on a 2007 X5, clean driving record.
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  #4  
Old 02-10-2013, 02:41 PM
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Zooks527 Zooks527 is offline
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Mein Auto: 2009 335i xDrive coupe
$902/yr for a 2009 335xi with full collision and comprehensive, $500 deductible, $250k/$500k liability with a $2kk umbrella. Identical coverage on my wife's 2011 Subaru Outback is $542, and the same on our 23-year-old daughter's 2004 VW Passat 4mo is $506. All of us have identical driving records and full safe driver credits.

The replacement values and repair cost categories of the cars are the drivers of the overall rates. Our daughter came off "new driver" status a year or so ago.

A single at-fault accident where the insurance company pays out more than $500 will remove the safe driver credit and add violation points to any one of us, bumping the cost for that person up by about $500/yr for 5 years.
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Prior 33 years of cars: 1967 BelAir wagon / 1968 LeMans Tempest / 1970 Mustang Mach 1 / 1972 El Dorado / 1978 Corvette (kept until first Bronco) / 1981 Subaru GL wagon AWD / 1983 s10 Blazer 4x4 (big mistake) / 1985 Bronco 4x4 / 1996 Bronco 4x4 / 2004 Passat 4motion

Last edited by Zooks527; 02-11-2013 at 04:29 AM.
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  #5  
Old 02-10-2013, 03:43 PM
chopin1012 chopin1012 is offline
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2006 330i. $624/yr for 100/300/100 100/100, $0 glass, $500 deductibles otherwise, rental and towing.
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  #6  
Old 02-10-2013, 04:10 PM
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cruisingbimmer cruisingbimmer is offline
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Quote:
Originally Posted by mo.karney View Post
I am just a little curious as to how much people are paying for their insurance.


I am 17, clean record, and I have to pay $1400 every 6 months for a 2011 328Xi...
I'm 23. I pay $111/month for my '07 328i. $500 deductible for collision repair, and I'm covered for theft, vandalism, medical expenses for myself and other drivers involved, damage to other vehicles, hail damage, collision with animals, and a few other bells and whistles - unfortunately I'm not looking at my insurance plan this second so I can't tell you EXACT deductibles for each. But I'd say my coverage is pretty good for the price, USAA is outstanding when it comes to car insurance.
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  #7  
Old 02-10-2013, 04:12 PM
roadkillrob roadkillrob is offline
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Pays to be old! 40, nothing on my record (not for lack of trying!) $650 a year in the Boston area, full coverage, $300 deductible on collision, zero deductible on glass!
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  #8  
Old 02-10-2013, 04:31 PM
Karney5 Karney5 is offline
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Hmm... so I am not overpaying too much... I wonder if my insurance would go down or up in a v8 Mustang.... My dad is 50 and he pays $400 a year, but he drives a frickin Prius, so its cheap to insure! I wonder if there is any way to get mine under 1k, or even to $1250 every 1/2 year.... Any suggestions?
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  #9  
Old 02-10-2013, 04:37 PM
SuperTerp SuperTerp is online now
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Quote:
Originally Posted by mo.karney View Post
Hmm... so I am not overpaying too much... I wonder if my insurance would go down or up in a v8 Mustang.... My dad is 50 and he pays $400 a year, but he drives a frickin Prius, so its cheap to insure! I wonder if there is any way to get mine under 1k, or even to $1250 every 1/2 year.... Any suggestions?
Max out deductibles... I think you're paying a lot for a 328.
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  #10  
Old 02-10-2013, 04:39 PM
sunny5280 sunny5280 is offline
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Quote:
Originally Posted by mo.karney View Post
Hmm... so I am not overpaying too much... I wonder if my insurance would go down or up in a v8 Mustang.... My dad is 50 and he pays $400 a year, but he drives a frickin Prius, so its cheap to insure! I wonder if there is any way to get mine under 1k, or even to $1250 every 1/2 year.... Any suggestions?
Shop around. Car insurance is highly variable based on age, record, area, etc.
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  #11  
Old 02-10-2013, 04:39 PM
mynycbimmer mynycbimmer is offline
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Quote:
Originally Posted by mo.karney View Post
I am just a little curious as to how much people are paying for their insurance.


I am 17, clean record, and I have to pay $1400 every 6 months for a 2011 328Xi...
That seems incredibly cheap. I'm almost double your age and pay more than that.
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  #12  
Old 02-10-2013, 04:51 PM
ptrcd003 ptrcd003 is offline
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Come to Canada guys. 23, clean record, $3800/year. $2 mil liability, $500 deductibles.
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  #13  
Old 02-10-2013, 05:10 PM
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Zooks527 Zooks527 is offline
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Originally Posted by ptrcd003 View Post
Come to Canada guys. 23, clean record, $3800/year. $2 mil liability, $500 deductibles.
Are there the right number of zeroes there?
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Prior 33 years of cars: 1967 BelAir wagon / 1968 LeMans Tempest / 1970 Mustang Mach 1 / 1972 El Dorado / 1978 Corvette (kept until first Bronco) / 1981 Subaru GL wagon AWD / 1983 s10 Blazer 4x4 (big mistake) / 1985 Bronco 4x4 / 1996 Bronco 4x4 / 2004 Passat 4motion
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  #14  
Old 02-10-2013, 05:34 PM
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SARAFIL SARAFIL is offline
I know a thing or two...
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Not one of these threads again. Oh my lord...
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  #15  
Old 02-10-2013, 05:40 PM
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SARAFIL SARAFIL is offline
I know a thing or two...
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Quote:
Originally Posted by roadkillrob View Post
Pays to be old! 40, nothing on my record (not for lack of trying!) $650 a year in the Boston area, full coverage, $300 deductible on collision, zero deductible on glass!
That's true in most states, but actually due to restrictions in MA, your age has no impact on insurance premiums except for a mandatory discount for drivers 65+, but they do rate on years licensed... but that phases in fully by about 5-6 years. So you are essentially paying the same now as you would if you were 25 with the same car/coverages..
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  #16  
Old 02-10-2013, 06:37 PM
ptrcd003 ptrcd003 is offline
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Quote:
Originally Posted by Zooks527 View Post
Are there the right number of zeroes there?
Haha that is not a mistake. Cheapest quote too, the next company wanted $5000.
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  #17  
Old 02-10-2013, 06:39 PM
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Last Sight Last Sight is offline
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NJ has one of the highest rates and I'm 24, clean record, just got an 09 328xi and pay ~$1400/year. My limits/covereages are $500 coll, comprehensive, 100/300 liability, roadside & rental.
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  #18  
Old 02-10-2013, 06:40 PM
WreckerAFG WreckerAFG is offline
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$116/mo. Im 23, with a few speeding tickets, $150 deduct, full coverage, $1500/30day rentals insurance, and uninsured motorists. Why is mine so cheap, I really have no idea, but not complaining one bit.
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  #19  
Old 02-10-2013, 06:44 PM
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Last Sight Last Sight is offline
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Originally Posted by WreckerAFG View Post
$116/mo. Im 23, with a few speeding tickets, $150 deduct, full coverage, $1500/30day rentals insurance, and uninsured motorists. Why is mine so cheap, I really have no idea, but not complaining one bit.
What do you mean when you say "full coverage"?
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'13 Cadillac ATS - Fired
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'11 Ford Fusion SEL
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  #20  
Old 02-10-2013, 06:46 PM
WreckerAFG WreckerAFG is offline
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Quote:
Originally Posted by tmcgrew1788 View Post
What do you mean when you say "full coverage"?
Like medical, collision, theft, animals, stuff like that.
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  #21  
Old 02-10-2013, 06:50 PM
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Last Sight Last Sight is offline
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Quote:
Originally Posted by WreckerAFG View Post
Like medical, collision, theft, animals, stuff like that.
Gotcha, what are the limits on medical and comprehensive? Usually that's the biggest cost on a premium. I have $100k/300k
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Previous Rides:
'13 Cadillac ATS - Fired
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'11 Ford Fusion SEL
'08 Honda Accord Coupe
'01 Saab 9-3 2.0T
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  #22  
Old 02-10-2013, 06:59 PM
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MP3_E46 MP3_E46 is offline
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Six month rates for 42 male with clean record in Atlanta suburbs multi-car policy with 'full' coverage (umbrella needed for higher coverage):

1995 FERRARI 355 $ 435.63
2010 MAZDA MX-5 MIATA CONV $271.82
2009 BMW 328 I CONV $327.59

All with USAA
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  #23  
Old 02-10-2013, 07:06 PM
jerrykur jerrykur is offline
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How are you guys getting such cheap rates at young ages. My wife an I are in our 50s and we pay much higher rates with no claims. What company are you guys with? We are with State Farm.
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  #24  
Old 02-10-2013, 07:07 PM
Karney5 Karney5 is offline
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Quote:
Originally Posted by SuperTerp View Post
Max out deductibles... I think you're paying a lot for a 328.
That is what I was thinking. When I was on my dad's Prius I was paying $640 per 6 months...

Quote:
Originally Posted by mynycbimmer View Post
That seems incredibly cheap. I'm almost double your age and pay more than that.
IDK ... Do you have tickets or anything like that? What car do you have?

Quote:
Originally Posted by ptrcd003 View Post
Come to Canada guys. 23, clean record, $3800/year. $2 mil liability, $500 deductibles.
JEEZ! I thought everything was free in Canada including maple syrup...

Quote:
Originally Posted by SARAFIL View Post


Not one of these threads again. Oh my lord...
I didn't see one for E9X.... Saw the Z4... so I was curious what people are paying...

Quote:
Originally Posted by WreckerAFG View Post
$116/mo. Im 23, with a few speeding tickets, $150 deduct, full coverage, $1500/30day rentals insurance, and uninsured motorists. Why is mine so cheap, I really have no idea, but not complaining one bit.
$120ish X 6 is $720 per 6 months, not bad! Are those tickets on your record? I would expect those tickets to raise your price....

Quote:
Originally Posted by MP3_E46 View Post
Six month rates for 42 male with clean record in Atlanta suburbs multi-car policy with 'full' coverage (umbrella needed for higher coverage):

1995 FERRARI 355 $ 435.63
2010 MAZDA MX-5 MIATA CONV $271.82
2009 BMW 328 I CONV $327.59

What do you mean by full coverage? I have 100/300...
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  #25  
Old 02-10-2013, 07:08 PM
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Last Sight Last Sight is offline
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Originally Posted by jerrykur View Post
How are you guys getting such cheap rates at young ages. My wife an I are in our 50s and we pay much higher rates with no claims. What company are you guys with? We are with State Farm.
Depends on where you live too. I'm with Progressive...Flo's got me covered
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Previous Rides:
'13 Cadillac ATS - Fired
'09 BMW 328xi - KIA by Bambi, reincarnated in Michigan
'11 Ford Fusion SEL
'08 Honda Accord Coupe
'01 Saab 9-3 2.0T
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