What do you pay? Auto Insurance Metro NY/Long Island Area

Savageenterprise · 10-03-2018, 03:02 PM

So I'm 28 y/o, I have two cars on my Geico policy. I've been with Geico on my own policy for 11 years, I have no accidents or tickets etc. and I'm receiving all the discounts I can through them. I'm currently paying $126.71 per month for my 340.

How does this compare with some of you other folks? I feel like I'm getting kind of screwed but then again, I've never had a brand new BMW before.

Billfitz · 10-03-2018, 04:10 PM

For New York that's probably not bad. It's easy enough to get quotes on line to see your options.

TF3090 · 10-03-2018, 04:15 PM

24 y/o with no accidents or speeding tickets on record, paying $160/mo for my 435i (full coverage $1000 deductible) + $40/mo for a Honda Accord (liability only) through Geico

~$125/mo sounds pretty damn good for NYC...

JV973 · 10-03-2018, 04:22 PM

That's not bad, that sounds pretty good especially for your age and in NY, I pay $120 now in Austin. When I was living in NJ, I was paying $300 a month for my previous BMW's.

MONSTAR · 10-03-2018, 04:27 PM

That's really good. Im at $676/6 months (averages to $112.66/mo but I pay in full).
2013 328i
Progressive, CA customer for 3 years
Full coverage
$500 deductible
Orange County, CA
30/M/No accidents or tickets

It was previously $532 (or $88/mo) when I was in Riverside County....I didn't update my address and when they switched it, it went up a lot. Hoping for my December renewal to drop back to that range.

supermarket · 10-03-2018, 04:46 PM

Quote:

Originally Posted by Savageenterprise

How does this compare with some of you other folks?

How can you compare without talking about what you’re covering? Coverage limits and deductibles can make a big difference.

$125 isn’t really out of the ordinary here, but if you’ve got low limits and high deductibles, then it’s not really a rock-bottom premium.

Savageenterprise · 10-03-2018, 05:07 PM

Quote:

Originally Posted by supermarket

How can you compare without talking about what you’re covering? Coverage limits and deductibles can make a big difference.

$125 isn’t really out of the ordinary here, but if you’ve got low limits and high deductibles, then it’s not really a rock-bottom premium.

You’re right, i forgot to add that info in....sorry bout that. $500 deductible 100k/300k. 50k personal injury. Fully covered everything, glass etc.

supermarket · 10-03-2018, 10:07 PM

$125 sounds decent in that case. Mine’s in that neighborhood too.

NormanConquest · 10-03-2018, 10:36 PM

300 on the policy that has my 340i with three drivers one of them have a speeding ticket and accident in the last three years (not me and I'm the primary) for two vehicals.

FastF30 · 10-05-2018, 11:45 AM

Quote:

Originally Posted by Savageenterprise

So I'm 28 y/o, I have two cars on my Geico policy. I've been with Geico on my own policy for 11 years, I have no accidents or tickets etc. and I'm receiving all the discounts I can through them. I'm currently paying $126.71 per month for my 340.

Same here.... except I'm almost double your age... so $126 is cheap for your age and all... basically the same I'm paying.... when I had my mustang at your age my insurance was out of this world... My 33 year old buddy pays over $100 just for basic no collision and he has a perfect record...

Solidjake · 10-05-2018, 02:25 PM

30 this Dec. Full coverage on my '13 328i msport. Pay $115 a month with Gieco, $500 deductible.

_tlink · 10-05-2018, 02:56 PM

24 y/o with geico full coverage on a 15' 435i Msport paying $238 a month. Probably inflated from a speed ticket here and there haha

Savageenterprise · 10-07-2018, 07:53 AM

Thanks for the replies everyone. So it seems like I’m right in the middle to lower end of the spectrum...I feel a bit better now about it, just wanted to make sure I wasn’t getting hosed. You know how these insurance companies are, greedy bastards.

NormanConquest · 10-08-2018, 03:49 AM

Quote:

Originally Posted by Savageenterprise

Thanks for the replies everyone. So it seems like I’m right in the middle to lower end of the spectrum...I feel a bit better now about it, just wanted to make sure I wasn’t getting hosed. You know how these insurance companies are, greedy bastards.

Yea BMW get hit hard on insurance I argue with my insurance as to why insuring a mustang with less safety feature was cheaper then a BMW and they just said well it a BMW.

sspade · 10-08-2018, 07:44 AM

I pay $210 a month for the lowest coverage and the highest deductible possible/legal. This is the lowest cost insurance I can find.

Its complete bullshit, I hate California.

I do have one speeding ticket from 18 months ago on my record.

I turn 31 in December.

320xiNY · 10-08-2018, 04:40 PM

$155 month utica national , age 27, clean record, 320xi, single car, single driver

XxThe_RemedyXx · 10-09-2018, 07:57 AM

14 335i and 15 Grand Cherokee $1500/year full coverage.

10-03-2018, 03:02 PM	#1
Savageenterprise Captain 981 Rep 640 Posts Drives: 2008 M3 (E93) Join Date: Jul 2018 Location: Out and about iTrader: (0) Garage List 2018 Chevy Tahoe [0.00] 2008 BMW E93 M3 [0.00]	What do you pay? Auto Insurance Metro NY/Long Island Area So I'm 28 y/o, I have two cars on my Geico policy. I've been with Geico on my own policy for 11 years, I have no accidents or tickets etc. and I'm receiving all the discounts I can through them. I'm currently paying $126.71 per month for my 340. How does this compare with some of you other folks? I feel like I'm getting kind of screwed but then again, I've never had a brand new BMW before. __________________ "Hard times create strong men. Strong men create easy times. Easy times create weak men. Weak men create hard times."
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10-03-2018, 04:10 PM	#2
Billfitz Lieutenant General 8245 Rep 16,086 Posts Drives: '15 328iX GT Join Date: Jan 2015 Location: New Hampshire iTrader: (0)	For New York that's probably not bad. It's easy enough to get quotes on line to see your options.
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10-03-2018, 04:15 PM	#3
TF3090 Private First Class 57 Rep 105 Posts Drives: 2014 BMW 435i M Sport Join Date: Jan 2018 Location: Kansas City, MO iTrader: (1)	24 y/o with no accidents or speeding tickets on record, paying $160/mo for my 435i (full coverage $1000 deductible) + $40/mo for a Honda Accord (liability only) through Geico ~$125/mo sounds pretty damn good for NYC...
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10-03-2018, 04:22 PM	#4
JV973 Lieutenant 304 Rep 501 Posts Drives: 2021 M2C HS DCT/MPE Join Date: Mar 2010 Location: Newark NJ/Austin TX iTrader: (0)	That's not bad, that sounds pretty good especially for your age and in NY, I pay $120 now in Austin. When I was living in NJ, I was paying $300 a month for my previous BMW's. __________________ 2021 F87 M2C HS DCT/MPE (Nov 2020 - Present) 2018 F32 440i MR/CR MPPSK (Mar 2018 - Nov 2020) 2014 F32 435i EB/CR (May 2014 - May 2017) 2011 E92 335is AW/CR (Nov 2010 - Nov 2013) 2008 E92 328i JB/BL (Feb 2008 - Nov 2010)
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10-03-2018, 04:27 PM	#5
MONSTAR #gotboost 517 Rep 861 Posts Drives: 2018 M2 Join Date: Sep 2016 Location: Irvine, California iTrader: (0)	That's really good. Im at $676/6 months (averages to $112.66/mo but I pay in full). 2013 328i Progressive, CA customer for 3 years Full coverage $500 deductible Orange County, CA 30/M/No accidents or tickets It was previously $532 (or $88/mo) when I was in Riverside County....I didn't update my address and when they switched it, it went up a lot. Hoping for my December renewal to drop back to that range. __________________ 2018 F87 M2 (09/2020 - ) Dinan Cold Air Intake \|Dinan Axle Back \| VRSF 6.5" Intercooler \| VRSF Catless Downpipe \| VRSF Charge Pipes \| BM3 \| MST Inlet v2 \| Turbosmart VR11 2013 F30 328i (12/2015 - 09/2020) SOLD!
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10-03-2018, 10:07 PM	#8
supermarket Private First Class 99 Rep 148 Posts Drives: 2018 340xi, 1996 328iS Join Date: Jan 2018 Location: New York iTrader: (0)	$125 sounds decent in that case. Mine’s in that neighborhood too.
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10-03-2018, 10:36 PM	#9
NormanConquest That Libertarian Guy 4039 Rep 6,363 Posts Drives: 340i Join Date: May 2017 Location: Earth iTrader: (0)	300 on the policy that has my 340i with three drivers one of them have a speeding ticket and accident in the last three years (not me and I'm the primary) for two vehicals.
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10-05-2018, 02:25 PM	#11
Solidjake ¯\_(ツ)_/¯ 945 Rep 1,762 Posts Drives: '13 328i Msport 6MT Join Date: Jun 2009 Location: NYC/SNJ iTrader: (2)	30 this Dec. Full coverage on my '13 328i msport. Pay $115 a month with Gieco, $500 deductible. __________________ Tensioner/belt DIY \| Side skirt extension DIY Apex SM-10/DWS06+ \| 400m/X-ice Xi3 \| Injen Exhaust \| Stoptech SS Lines \| 335 Front Brakes Hawk HPS 5.0 \| RBF600 \| ER Charge Pipes \| Wagner Evo Comp 2 FMIC Last edited by Solidjake; 10-11-2018 at 02:33 PM..
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10-05-2018, 02:56 PM	#12
_tlink Guy with a car 98 Rep 224 Posts Drives: 15' 435i Msport Join Date: Jul 2017 Location: Westchester, NY iTrader: (1)	24 y/o with geico full coverage on a 15' 435i Msport paying $238 a month. Probably inflated from a speed ticket here and there haha __________________ 15' 435i BSM on CR // BM3 Stage 2 93 OTS // NGK Plugs Gapped 0.023" // VRSF Catless DP // CTS Turbo Intake, CP, FMIC // AWE Tuning w/ Perf. Midpipe // BC Racing BR Coilovers // Apex EC-7 // Michelin PS4S // Plus a shit load of carbon
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10-07-2018, 07:53 AM	#13
Savageenterprise Captain 981 Rep 640 Posts Drives: 2008 M3 (E93) Join Date: Jul 2018 Location: Out and about iTrader: (0) Garage List 2018 Chevy Tahoe [0.00] 2008 BMW E93 M3 [0.00]	Thanks for the replies everyone. So it seems like I’m right in the middle to lower end of the spectrum...I feel a bit better now about it, just wanted to make sure I wasn’t getting hosed. You know how these insurance companies are, greedy bastards. __________________ "Hard times create strong men. Strong men create easy times. Easy times create weak men. Weak men create hard times."
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10-08-2018, 07:44 AM	#15
sspade Major General 2466 Rep 5,457 Posts Drives: F30 Join Date: Oct 2017 Location: Stevenson, WA iTrader: (3) Garage List 2016 BMW 320i [7.87] 2014 BMW 328i [6.83]	I pay $210 a month for the lowest coverage and the highest deductible possible/legal. This is the lowest cost insurance I can find. Its complete bullshit, I hate California. I do have one speeding ticket from 18 months ago on my record. I turn 31 in December.
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10-08-2018, 04:40 PM	#16
320xiNY Registered 2 Rep 3 Posts Drives: Black 320i xdrive Join Date: Oct 2018 Location: Poughkeepsie NY iTrader: (0)	$155 month utica national , age 27, clean record, 320xi, single car, single driver
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10-09-2018, 07:57 AM	#17
XxThe_RemedyXx Colonel 967 Rep 2,655 Posts Drives: 2016 340i xDrive Join Date: Aug 2009 Location: Westchester, NY iTrader: (0)	14 335i and 15 Grand Cherokee $1500/year full coverage. __________________ 2016 340i xDrive - BM3 Stage 2 93 OTS - xHP Transmission Tune Stage 2 - B58TU HPFP - Bilstein B14 - VRSF Catless DP - Kyostar CAI
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