Insurance on F36, price increase crazy!

EBIINYC · 10-17-2014, 02:43 PM

So I was quoting my F36 with geico and the insurance companies dont have 2015 models rated as of yet. So the quotes were coming out to 5-700 more than the current 2013 C250 I have insured as of right now.

Just wondering for those of you that are already in possession of their cars and have insurance, what did you experience as far as pricing?

billiebob · 10-17-2014, 03:52 PM

My 2013 f30 328 was 50 bucks more than the 2011 328 in New Jersey. About the same purchase price so makes sense.

beto_L.A. · 10-17-2014, 03:52 PM

my insurance dropped $35.00 on my 4GC coming off the '12 X3.

bmw-nj · 10-17-2014, 04:24 PM

F30 335 is cheap to insure keeps me from getting a true M car

EBIINYC · 10-17-2014, 04:44 PM

@billiebob what insurance did you use?

Do you guys know if theres a better company for bmw insurance than geico?

bmwperson · 10-17-2014, 05:00 PM

My insurance is cheaper then my 00 M5 lol

Buckeyes · 10-17-2014, 05:46 PM

My 335i m sport is $40 less then my 2011 Infiniti

phant0m · 10-17-2014, 06:03 PM

California, 23 years old, clean record. Going from a 2011 Honda Civic to a 2015 4 Series Gran Coupe is only $400 more a year. Full coverage, towing, rental and all.

My yearly total will be $1400 so $700 per 6 months.

yerffejleahcim · 10-17-2014, 06:19 PM

Wow. That's expensive. I pay $380 every 6 months. No tickets and I'm 30.

34.50 · 10-17-2014, 07:31 PM

Well the F30 is about $400 cheaper than a CLS 63 per year. I pay about $800/year on the F30 for full coverage. Expensive due to that one accident I had back in 2012 I think it was

karupspc · 10-17-2014, 11:29 PM

My monthly insurance increased by $10 to $97. No tickets, I pay every 6 months about $400. I bought extra coverage in case something awful happens during daily commute **knock on wood**

Labeef · 10-18-2014, 12:57 AM

Quote:

Originally Posted by yerffejleahcim

Wow. That's expensive. I pay $380 every 6 months. No tickets and I'm 30.

That's cheap. I pay 440 every 6months.

fugmaglottu · 10-18-2014, 02:51 AM

About the same purchase price so makes sense.

NorCalAthlete · 10-18-2014, 01:27 PM

Haven't even purchased my 435 yet, called insurance for a quote to see what the increase would be. It'd go up by about $40/month from my current truck. I'd be saving more than that in gas though so non-issue as far as I'm concerned. It's the finance payment that's actually going to increase my monthly costs by a few hundred $.

Halsifer · 10-18-2014, 01:32 PM

I had a 2010 Audi A6 that had a 6-month premium of $1246. Then when I got the 2014 335i, it increased to $1250 every 6-months.

So so the difference was $8 a year more, and my annual cost is currently $2500...

Danman5666 · 10-18-2014, 01:35 PM

Quote:

Originally Posted by Halsifer

I had a 2010 Audi A6 that had a 6-month premium of $1246. Then when I got the 2014 335i, it increased to $1250 every 6-months.

So so the difference was $8 a year more, and my annual cost is currently $2500...

Yikes...I pay $1200 dollars A YEAR for 100/500 coverage on my '15 335i and a '10 Acura MDX...

Steve33 · 10-18-2014, 01:53 PM

$2100 annually:

$743 for $500k (each occurance) of combined single limit for bodily injury and property damage
$81 for $10k of medical payments (I don't know how this isn't included in the above?)
$190 for $500k per person ($500k each accident) for uninsured/underinsured bodily injury
$126 for comprehensive coverage ($500 deductible)
$735 for collision ($500 deductible with $400 diminishing deductible)
$35 for rental car ($50/day, $1200 max)
$175 for this http://www.graham-rogers.com/sls/for...m_Pkg_Plus.pdf

A few other single digit fees

F(30)TW! · 10-18-2014, 04:02 PM

You guys need to know that insurance premiums differ from state to state. Even zip codes in the same state or city. Just because your friend or neighbor pays more or less than you, doesn't mean it'll be the same. Lots of different factors. Amount of miles driven in a year, driving experience, driving record, multi policy discount, multi car discount, many other discounts that one qualifies for that other people don't (ie alumni discount, good student, etc), type of vehicle, gender, coverages, etc. the list goes on. Don't assume that someone's insurance is better than yours or yours is better. Unless every factor is completely identical, insurance premiums will not be the same, more or less. I should know. I'm an Insurance Business Manager. I hate it when someone says that their friend's/neighbor's insurance is cheaper and complain about it. Everyone's premium is different unless (as specified above) all factors are exactly the same. I work for AAA (Auto Club of Southern California). Want a quote? I'll try to get you the best premium. PM me.

Bmwman325 · 10-18-2014, 04:39 PM

26 yo here, good coverage, 335 is about $770 a year, my 2011 G37s was around $600

Vegetable · 10-18-2014, 09:25 PM

35 y/o, 1 speeding ticket, about 850/yr with AAA and $250 deductible. It's surprisingly a tad cheaper to insure my 435i than it was my old e92 328xi, which had a $1,000 deductible.

Halsifer · 10-19-2014, 03:15 AM

Quote:

Originally Posted by F(30)TW!

You guys need to know that insurance premiums differ from state to state. Even zip codes in the same state or city. Just because your friend or neighbor pays more or less than you, doesn't mean it'll be the same. Lots of different factors. Amount of miles driven in a year, driving experience, driving record, multi policy discount, multi car discount, many other discounts that one qualifies for that other people don't (ie alumni discount, good student, etc), type of vehicle, gender, coverages, etc. the list goes on. Don't assume that someone's insurance is better than yours or yours is better. Unless every factor is completely identical, insurance premiums will not be the same, more or less. I should know. I'm an Insurance Business Manager. I hate it when someone says that their friend's/neighbor's insurance is cheaper and complain about it. Everyone's premium is different unless (as specified above) all factors are exactly the same. I work for AAA (Auto Club of Southern California). Want a quote? I'll try to get you the best premium. PM me.

I'm pretty sure everyone knows that insurance will differ because of who you are, where you are, what you drive, and details of your history. It's basic info of insurance and premium rates. OP was mainly asking (I think) what differences we have seen between our previous car to our F30's.

erroberts1 · 10-19-2014, 10:14 AM

I am 30, totally clean record. When I got my F36, my premium initially only increased about $50 from my VW CC. Geico then reassessed me based on an updated consumer report and identified the car as living in downtown Boston, so my premium jumped 40% to around $1,350 annually. I can't legitimately support changing my garaging to the prior location... So now, despite having a weekend car in a private garage, I get to insure every car that parks on the street or pinballs down Beacon Hill... SMH

10-17-2014, 02:43 PM	#1
EBIINYC Private First Class 55 Rep 190 Posts Drives: 4GC Join Date: Nov 2011 Location: NY iTrader: (0)	Insurance on F36, price increase crazy! So I was quoting my F36 with geico and the insurance companies dont have 2015 models rated as of yet. So the quotes were coming out to 5-700 more than the current 2013 C250 I have insured as of right now. Just wondering for those of you that are already in possession of their cars and have insurance, what did you experience as far as pricing?
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10-17-2014, 03:52 PM	#2
billiebob Second Lieutenant 4 Rep 222 Posts Drives: 328i Join Date: Dec 2011 Location: NJ iTrader: (0)	My 2013 f30 328 was 50 bucks more than the 2011 328 in New Jersey. About the same purchase price so makes sense.
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10-17-2014, 03:52 PM	#3
beto_L.A. Major 343 Rep 1,029 Posts Drives: 2020 G20 330i Join Date: Oct 2008 Location: north hollywood, CA iTrader: (0)	my insurance dropped $35.00 on my 4GC coming off the '12 X3. __________________ Current: 2023 G26 430i GC San Remo Green / Red Sensatec M Sport. Previous:2020 G20 330i M Sport (MG/BLK), 2018 F36 4GC LCI (SRB/NB), 2015 F36 4GC (MG/CR), 2012 F25 X328i (JB/CB), 2009 E90 328I sedan (SG/SB), 2004 E46 325I sedan (SG/BLK).
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10-17-2014, 04:24 PM	#4
bmw-nj Captain 99 Rep 700 Posts Drives: 2014 BMW 335 xdrive M sport Join Date: Apr 2011 Location: Hillsborough, NJ iTrader: (1)	F30 335 is cheap to insure keeps me from getting a true M car
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10-17-2014, 04:44 PM	#5
EBIINYC Private First Class 55 Rep 190 Posts Drives: 4GC Join Date: Nov 2011 Location: NY iTrader: (0)	@billiebob what insurance did you use? Do you guys know if theres a better company for bmw insurance than geico?
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10-17-2014, 05:00 PM	#6
bmwperson Second Lieutenant 29 Rep 209 Posts Drives: 4wheels Join Date: Dec 2013 Location: Pl iTrader: (0)	My insurance is cheaper then my 00 M5 lol __________________ -- 1997 BMW M3 Single turbo 723whp GT42R 2000 BMW M5 - Daily 2014 BMW 335i xDrive 6spd loaded
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10-17-2014, 05:46 PM	#7
Buckeyes Captain 353 Rep 939 Posts Drives: 2013 335i M Sport Join Date: Jan 2013 Location: Atlanta iTrader: (2)	My 335i m sport is $40 less then my 2011 Infiniti
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10-17-2014, 06:03 PM	#8
phant0m Private First Class 10 Rep 140 Posts Drives: Civic Join Date: Oct 2014 Location: SoCal iTrader: (0)	California, 23 years old, clean record. Going from a 2011 Honda Civic to a 2015 4 Series Gran Coupe is only $400 more a year. Full coverage, towing, rental and all. My yearly total will be $1400 so $700 per 6 months.
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10-17-2014, 06:19 PM	#9
yerffejleahcim Captain 99 Rep 652 Posts Drives: '16 F80 M3 Alpine White Join Date: May 2009 Location: Oahu iTrader: (0)	Wow. That's expensive. I pay $380 every 6 months. No tickets and I'm 30. __________________ Michael 2016 F80 M3 Alpine White / Sakhir Orange / DCT
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10-17-2014, 07:31 PM	#10
34.50 Lieutenant 38 Rep 596 Posts Drives: 2013 335i xDrive Sport Line Join Date: May 2013 Location: Upstate NY iTrader: (0)	Well the F30 is about $400 cheaper than a CLS 63 per year. I pay about $800/year on the F30 for full coverage. Expensive due to that one accident I had back in 2012 I think it was __________________ 2013 BMW 335i xDrive Sport Line
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10-17-2014, 11:29 PM	#11
karupspc Private 4 Rep 62 Posts Drives: BMW Join Date: Jul 2014 Location: Texas iTrader: (0)	My monthly insurance increased by $10 to $97. No tickets, I pay every 6 months about $400. I bought extra coverage in case something awful happens during daily commute knock on wood
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10-18-2014, 02:51 AM	#13
fugmaglottu New Member 0 Rep 12 Posts Drives: bmw Join Date: Oct 2014 Location: x3 iTrader: (0)	About the same purchase price so makes sense. __________________ great car
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10-18-2014, 01:27 PM	#14
NorCalAthlete Lieutenant Colonel 3191 Rep 1,667 Posts Drives: '23 M4CX - Tanzanite / Tartufo Join Date: Aug 2014 Location: Bay Area, CA iTrader: (0)	Haven't even purchased my 435 yet, called insurance for a quote to see what the increase would be. It'd go up by about $40/month from my current truck. I'd be saving more than that in gas though so non-issue as far as I'm concerned. It's the finance payment that's actually going to increase my monthly costs by a few hundred $.
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10-18-2014, 01:32 PM	#15
Halsifer Captain 251 Rep 640 Posts Drives: 2018 Audi RS7 Join Date: Jan 2014 Location: Austin, Texas iTrader: (0)	I had a 2010 Audi A6 that had a 6-month premium of $1246. Then when I got the 2014 335i, it increased to $1250 every 6-months. So so the difference was $8 a year more, and my annual cost is currently $2500... __________________ 2018 Audi RS7 4.0T 2006 BMW e46 330Ci Convertible ZHP 2010 Audi S5 4.2L [Sold] 2014 BMW 335i xDrive M-Sport [Sold] 2010 Audi A6 3.0T [Sold]
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10-18-2014, 01:53 PM	#17
Steve33 Captain 50 Rep 808 Posts Drives: 2018 SQ5 Join Date: Apr 2013 Location: SoCal iTrader: (0)	$2100 annually: $743 for $500k (each occurance) of combined single limit for bodily injury and property damage $81 for $10k of medical payments (I don't know how this isn't included in the above?) $190 for $500k per person ($500k each accident) for uninsured/underinsured bodily injury $126 for comprehensive coverage ($500 deductible) $735 for collision ($500 deductible with $400 diminishing deductible) $35 for rental car ($50/day, $1200 max) $175 for this http://www.graham-rogers.com/sls/for...m_Pkg_Plus.pdf A few other single digit fees
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10-18-2014, 04:02 PM	#18
F(30)TW! Enlisted Member 2 Rep 44 Posts Drives: 2014 F30 335i Join Date: Jun 2013 Location: CA iTrader: (0)	You guys need to know that insurance premiums differ from state to state. Even zip codes in the same state or city. Just because your friend or neighbor pays more or less than you, doesn't mean it'll be the same. Lots of different factors. Amount of miles driven in a year, driving experience, driving record, multi policy discount, multi car discount, many other discounts that one qualifies for that other people don't (ie alumni discount, good student, etc), type of vehicle, gender, coverages, etc. the list goes on. Don't assume that someone's insurance is better than yours or yours is better. Unless every factor is completely identical, insurance premiums will not be the same, more or less. I should know. I'm an Insurance Business Manager. I hate it when someone says that their friend's/neighbor's insurance is cheaper and complain about it. Everyone's premium is different unless (as specified above) all factors are exactly the same. I work for AAA (Auto Club of Southern California). Want a quote? I'll try to get you the best premium. PM me. __________________ Hello, Up for sale : 2014 BMW X3 2.8i with an M sport package. The car is in like new condition and runs excellent. It has been garaged it's whole life and never been smoked in. I leased the vehicle in May of 2014 and in 1 year and 4 months only has 7500 miles on it. - The exterior color is beautiful clean Alpine White 19" double spoke M sport alloy rims. - The interior features luxurious black leather with fineline wood trim. The car is available for two options: 1) A lease transfer. The monthly payment is $625 with 22 months remaining on the lease. A lease transfer consists of qualifying through BMW Financial services and a $500 lease transfer fee that we can both split. So basically, there's no down payment required. Just a $250 lease transfer fee. OR 2) You can also purchase the vehicle for $38,200.00 * BONUS: Car registration has been paid for until May 2016 * Do not miss this opportunity, this vehicle could be yours! The car is equipped with the following options: ** please view photo for option details Please do not hesitate to contact me via text or cell phone for further questions, details, or should you wish to see the car in person: (213)447-9579 [Sam]
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10-18-2014, 04:39 PM	#19
Bmwman325 Private First Class 38 Rep 172 Posts Drives: 2015 MG CR 335 XI 6SP Join Date: May 2014 Location: Missouri iTrader: (0)	26 yo here, good coverage, 335 is about $770 a year, my 2011 G37s was around $600
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10-18-2014, 09:25 PM	#20
Vegetable Lieutenant Colonel 793 Rep 1,627 Posts Drives: 2019 M4 MT, 2024 X3MC Join Date: Jun 2012 Location: Humboldt iTrader: (0)	35 y/o, 1 speeding ticket, about 850/yr with AAA and $250 deductible. It's surprisingly a tad cheaper to insure my 435i than it was my old e92 328xi, which had a $1,000 deductible. __________________ M4 in MG \| 6 MT
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10-19-2014, 10:14 AM	#22
erroberts1 Private First Class 34 Rep 143 Posts Drives: Imperial Blue F36 428i Join Date: May 2014 Location: Boston, MA iTrader: (0)	I am 30, totally clean record. When I got my F36, my premium initially only increased about $50 from my VW CC. Geico then reassessed me based on an updated consumer report and identified the car as living in downtown Boston, so my premium jumped 40% to around $1,350 annually. I can't legitimately support changing my garaging to the prior location... So now, despite having a weekend car in a private garage, I get to insure every car that parks on the street or pinballs down Beacon Hill... SMH
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