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      07-21-2008, 11:54 PM   #1
berkeley223
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Dc insurance rates for 335i coupe?

335i coupe owners in DC, what are you guys paying as insurance. I just got this quote from progressive: $810 for 6 mo (1620 for a year) for

- Bodily Injury/Property Damage - $250,000/$500,000/$100,000
- Uninsured/Underinsured Motorist bodily Injury/Property Damage - $250,000/$500,000/$100,000



is this a good quote for a new 2008? fyi, I am 34 with a perfect driving recod. thanks for any info....
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      07-22-2008, 06:06 AM   #2
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That's not terrible for living in the city with those coverage limits. I previously lived in College Park and my rates with Allstate with 100K/300K limits were the same. I'm of clean record and 10 years older. Recently, I moved to rural Howard County and I paying about 40% less on all my vehicles. They nail you if you live inside the Beltway.
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      07-23-2008, 06:59 AM   #3
stankiyota
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I am switching from a 2002 530i ($400/6 months) to a 2008 335i convertible ($455/6 months) in early August. I have 100/300/300 with a $500 deductible. I also have a $1M personal liability policy to go on top of that ($100/year). Good (speeding tix!) but not perfect driving record. I am 49 yo. I use State Farm here in NoVA. Hope this helps.
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      07-23-2008, 07:06 AM   #4
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Originally Posted by stankiyota View Post
I am switching from a 2002 530i ($400/6 months) to a 2008 335i convertible ($455/6 months) in early August. I have 100/300/300 with a $500 deductible. I also have a $1M personal liability policy to go on top of that ($100/year). Good (speeding tix!) but not perfect driving record. I am 49 yo. I use State Farm here in NoVA. Hope this helps.
great price!
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      07-23-2008, 09:08 AM   #5
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I'm in Springfield, VA and USAA just quoted me about 400 for six months with all the deductables zero'ed out. You don't have to be Military to use USAA...
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      07-23-2008, 09:42 AM   #6
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Short answer: 1275$/year for 100/300/100 with most of the other coverages at a high level, thru Amica. I am a 29 y/o single male, spotless driving record, living in Woodley Park (hardly a high risk area).

Long answer: To the OP, it sounds like you are living in the District of Columbia. Keep in mind that this will almost certainly cause you to pay higher than you would for the same car just across the river in Virginia or up in Maryland. It's not just if you live inside the Beltway, it is also actually living in the District versus Arlington/Alexandria.

I lived in Arlington (close-in, in Court House) for several years before moving into DC, and previously had a Mazda 6s. I moved into DC and kept the Mazda registered in VA because I knew I would be selling it shortly.

For 5 years, I had GEICO. When I began researching rates for my new 335 sedan, the GEICO quote I received in DC for solid coverage (100/300/100, 500 deductible, etc.) was approximately 2300$. I asked them to run the comparable coverage for insurance at my old address in Arlington, and it was almost half that. When they ran my Mazda 6s insurance at my new DC address, it almost doubled. GEICO evidently has some neighborhoods/addresses/ZIP codes in DC as high risk, and mine was one of them. They tried to tell me it was due to their "special, sophisiticated tracking and research process," as if I would be glad for it, which I said was causing me to be ripped off.

As I looked at other companies, I found the same thing, just at a reduced scale. Amica, Progressive and Travelers were all around 1300$, but would've been hundreds cheaper across the river in Virginia. State Farm, Allstate, Liberty Mutual and a few others were more like 1600-1800$, but again, much cheaper if I used an address in Virginia. AIG was dirt cheap either way, but I wasn't going to pick them. Nationwide was very weird about DC insurance, and kept giving me bad information on supposedly required coverages. AAA does not insure in DC, they offered me a deal thru Travelers.

If you have off-street parking, make sure you tell them that - for some companies, it makes a difference, especially if you live on a high traffic street (I live on Connecticut Ave, for example, but don't park on street).

All that is to say, be prepared for the numbers you are quoted to be higher than you expect based on what Virginia or Maryland residents say here.

I have obviously made no claims with Amica yet, but was pleased with them thru the research/purchasing process. Very helpful on the phone, answered questions quickly, got back to me with additional information when needed. They are more of an under-the-radar company, in part because they are more selective, but consistently get the highest marks for customer service.
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      07-23-2008, 05:28 PM   #7
berkeley223
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thanks for all of the responses.
I live in the District, clearly they charge insane rates here.
I got a better quote from state farm (about $735 for 6 mo) which was better than progressive and geico so it looks like I will have to go with them.
All in all this is running me about $550 more per year than my 2001 jetta I just sold, which is not as bad as I expected....
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      07-24-2008, 02:02 PM   #8
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Welcome to the District, by the way.

As somebody who loves the Bay Area (I'm assuming we're talking about the same Berkeley), I would've happily traded cities with you!
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