335i Insurance in NYC - BMW 3-Series (E90 E92) Forum

trick50 · 09-10-2006, 03:06 PM

A few weeks ago (prior to ordering my 335i) I called allstate for an insurance quote.
I was quoted 998 for 6 mos.
With full coverage Allstates platinum program (which give you forgivable accidents) and evry 6 mos that you renew provided you maintain a clean record, they renew you at a 5% discount. And give you 100 of your deductable..
Deductible 250 less 100 if I need to use it.

I called friday to give them the VIN number of my car which is at the port in germany waiting for a boat.

Dramatic DECREASE...
Same coverage 775 for 6mos.

I am 26 clean license, slightly below avg FICO score, with a defensive driver discount and I am married..
I think this is a pretty good rate.

abc · 09-10-2006, 04:26 PM

for FULL cov? yes i would say so... you were already with allstate? have nothing with them other than auto insurance?

Viral · 09-10-2006, 04:33 PM

that's a GREAT rate...........I pay 2G's/year (30yrs, married) on my wife's '06 330i (fully loaded).

I live in Jersey City.

dmfitz82 · 09-10-2006, 04:39 PM

I'm only paying around $550 every 6 months for full coverage... I'm 24, married, and have two other cars on the policy... Mercury Ins.

cantc0pe · 09-10-2006, 05:23 PM

Im scared to find out my rate

Im 18 for a 335 and male.
Although i have a perfect record and everything is clean, Ill be hurting!

Barry626 · 09-10-2006, 05:27 PM

Quote:

Originally Posted by cantc0pe

Im scared to find out my rate

Im 18 for a 335 and male.
Although i have a perfect record and everything is clean, Ill be hurting!

You should have a perfect record your only 18 driving 1 year

cantc0pe · 09-10-2006, 05:44 PM

im almost 19 and i got my liscense at 16, thats 3 years.

haha

Viral · 09-10-2006, 06:05 PM

keep in mind this thread was to gauge NYC-area pricing.

dmfitz82 -- you're lucky you don't have to insure all those cars here in the NYC area ;-)

nyc3r · 09-10-2006, 10:59 PM

which part of NY do you live in? It's quite a bit more in the NYC area.

abc · 09-10-2006, 11:11 PM

Quote:

Originally Posted by nyc3r

which part of NY do you live in? It's quite a bit more in the NYC area.

his thread says nyc, so i'm hoping he was accurate in labelling nyc.

trick50 · 09-10-2006, 11:14 PM

Quote:

Originally Posted by abc

for FULL cov? yes i would say so... you were already with allstate? have nothing with them other than auto insurance?

Have never been with them..and this is only auto insurance...
I am currently with progressive paying 1200/per 6mos
my homewoners insurance is with state farm

trick50 · 09-10-2006, 11:17 PM

Quote:

Originally Posted by nyc3r

which part of NY do you live in? It's quite a bit more in the NYC area.

I live in Douglaston, Queens
I am close closer to Long Island than I am Manhatten.

This is still a significant drop from what I am paying on my acura
1200 for 6 mos
this is like 40% less

trick50 · 09-10-2006, 11:18 PM

Quote:

Originally Posted by abc

his thread says nyc, so i'm hoping he was accurate in labelling nyc.

NYC consists of Queens, Brooklyn, Bronx, Staten Island, Manhatten

feng27shui · 09-10-2006, 11:23 PM

I pay $1200 / annum with a NYC address - 34 yrs old, clean record (so far) Geico.

Barry626 · 09-10-2006, 11:33 PM

Quote:

Originally Posted by cantc0pe

im almost 19 and i got my liscense at 16, thats 3 years.

haha

Like I said you should have a perfect record, only driving 3 years

lknbimmers · 09-11-2006, 12:19 AM

Quote:

Originally Posted by trick50

A few weeks ago (prior to ordering my 335i) I called allstate for an insurance quote.
I was quoted 998 for 6 mos.
With full coverage Allstates platinum program (which give you forgivable accidents) and evry 6 mos that you renew provided you maintain a clean record, they renew you at a 5% discount. And give you 100 of your deductable..
Deductible 250 less 100 if I need to use it.

I called friday to give them the VIN number of my car which is at the port in germany waiting for a boat.

Dramatic DECREASE...
Same coverage 775 for 6mos.

I am 26 clean license, slightly below avg FICO score, with a defensive driver discount and I am married..
I think this is a pretty good rate.

IMO Allstate is one of the higher priced insurance carriers. Try Liberty Mutual for a quote. I have auto and home owner's insurance with them and am very satisfied. Their prices are lower than Allstate and State Farm.

nyc3r · 09-11-2006, 11:33 AM

Wow, that's a great price. Maybe I'll call up Allstate. What's your liability coverage? I have 100/300k. Full coverage. But I don't think Geico has that new car replacement option.

Quote:

Originally Posted by trick50

I live in Douglaston, Queens
I am close closer to Long Island than I am Manhatten.

This is still a significant drop from what I am paying on my acura
1200 for 6 mos
this is like 40% less

driverseven · 09-11-2006, 12:01 PM

I switched from Allstate to GEICO about 10 years ago and saved about 30 percent when I did.

I'm in Westchester and the cost for 2 cars is about $950/6 mos -- but we have a lot more than the minimum coverage.

TheCount · 09-11-2006, 12:02 PM

Wow, didn't realize I was getting ripped off so bad. I pay almost 1500 per 6 MONTHS, and I have a Durango. Never been in an accident, Male, 24 years old as of a few days ago, had my license since I was 18 (No drivers ed or defensive though) and I live in the Queens area. Not married or anything and this is my only car and I have GEICO.

I'm really going to need to review my coverage, I don't see why I should be paying 3 grand a year. I had asked them about it once, and they gave me some canned response about how rates are determined by area/car/etc.

You guys know a good approach I should take to get an actual detailed breakdown of why my rates are so high?

nyc3r · 09-11-2006, 12:10 PM

It could be the part of Queens your in (Jamaica?). I'd be interested to find out what trick50's coverage is. I have over 10 years of perfect record and I pay more with Geico.

TheCount · 09-11-2006, 12:34 PM

I'm in Kew Garden Hills, which isn't a bad part of Queens at all.

but even before that, I lived all the way out in LI in Greenlawn which is around Huntington, a pretty nice area, and I was still paying about $2400 a year, of course, I was also younger then.

driverseven · 09-11-2006, 12:54 PM

I know Kew Gardens well -- I went to high school on Queens Blvd -- and while it is one of the nicest places to live in NYC, it usually tends to show up as one of the places where car theft is highest. The thieves know where all the nice cars live, too.

Insurance rates include all kinds of factors, including your driving record and whether you're married or single, whether you are garaging the car or not, and how your neighbhorhood fares on auto theft reports (it's more detailed than just the city and some parts of NYC have higher thefts than others).

09-10-2006, 03:06 PM	#1
trick50 Major Drives: E92 335i Space Gray Join Date: Aug 2006 Location: Douglaston, New York Posts: 1,051 iTrader: (1)	335i Insurance in NYC A few weeks ago (prior to ordering my 335i) I called allstate for an insurance quote. I was quoted 998 for 6 mos. With full coverage Allstates platinum program (which give you forgivable accidents) and evry 6 mos that you renew provided you maintain a clean record, they renew you at a 5% discount. And give you 100 of your deductable.. Deductible 250 less 100 if I need to use it. I called friday to give them the VIN number of my car which is at the port in germany waiting for a boat. Dramatic DECREASE... Same coverage 775 for 6mos. I am 26 clean license, slightly below avg FICO score, with a defensive driver discount and I am married.. I think this is a pretty good rate.

09-10-2006, 04:39 PM	#4
dmfitz82 Private First Class Drives: Jet Black 325i Join Date: Jun 2006 Location: Florida Posts: 128 iTrader: (0) View dmfitz82's Garage	I'm only paying around $550 every 6 months for full coverage... I'm 24, married, and have two other cars on the policy... Mercury Ins. __________________ 325i Jet Black on Black interior, Alum trim, ZSP, NAV, Step, Xenons.

09-10-2006, 05:23 PM	#5
cantc0pe Major Drives: jetblack e92 335i Join Date: Apr 2006 Location: santa barbara & Los Angeles Posts: 1,381 iTrader: (0)	Im scared to find out my rate Im 18 for a 335 and male. Although i have a perfect record and everything is clean, Ill be hurting! __________________ PARTING OUT MY WHOLE CAR PM ME

09-10-2006, 05:44 PM	#7
cantc0pe Major Drives: jetblack e92 335i Join Date: Apr 2006 Location: santa barbara & Los Angeles Posts: 1,381 iTrader: (0)	im almost 19 and i got my liscense at 16, thats 3 years. haha __________________ PARTING OUT MY WHOLE CAR PM ME

09-10-2006, 11:23 PM	#14
feng27shui Private Drives: 330xi Join Date: Nov 2005 Location: New York Posts: 36 iTrader: (0) View feng27shui's Garage	I pay $1200 / annum with a NYC address - 34 yrs old, clean record (so far) Geico. __________________ 330xi\|Titanium Silver\|Blk Leather\|Premium\|Sport\|162's\|Nav

09-10-2006, 04:26 PM	#2
abc Captain Drives: 325 Join Date: May 2005 Location: NYC Posts: 650 iTrader: (0)	for FULL cov? yes i would say so... you were already with allstate? have nothing with them other than auto insurance?

09-10-2006, 04:33 PM	#3
Viral Captain Drives: '06 330i Join Date: Jul 2006 Location: NYC/T.O. Posts: 796 iTrader: (0)	that's a GREAT rate...........I pay 2G's/year (30yrs, married) on my wife's '06 330i (fully loaded). I live in Jersey City.

09-10-2006, 06:05 PM	#8
Viral Captain Drives: '06 330i Join Date: Jul 2006 Location: NYC/T.O. Posts: 796 iTrader: (0)	keep in mind this thread was to gauge NYC-area pricing. dmfitz82 -- you're lucky you don't have to insure all those cars here in the NYC area ;-)

09-10-2006, 10:59 PM	#9
nyc3r Colonel Drives: E90 Join Date: Jun 2006 Location: NY Posts: 2,254 iTrader: (15)	which part of NY do you live in? It's quite a bit more in the NYC area.

09-11-2006, 12:01 PM	#18
driverseven Curve junky Drives: 325 xi Monaco Blue Join Date: Sep 2005 Location: Westchester, NY Posts: 255 iTrader: (0)	I switched from Allstate to GEICO about 10 years ago and saved about 30 percent when I did. I'm in Westchester and the cost for 2 cars is about $950/6 mos -- but we have a lot more than the minimum coverage. __________________ 325xi \| Prem pkge \| iDrive \| Sirius \| Cld Wther \| Step \| Nov '06 My Blog

09-11-2006, 12:02 PM	#19
TheCount Second Lieutenant Drives: Dodge Durango SLT (335i Soon) Join Date: Aug 2006 Location: New York Posts: 127 iTrader: (0)	Wow, didn't realize I was getting ripped off so bad. I pay almost 1500 per 6 MONTHS, and I have a Durango. Never been in an accident, Male, 24 years old as of a few days ago, had my license since I was 18 (No drivers ed or defensive though) and I live in the Queens area. Not married or anything and this is my only car and I have GEICO. I'm really going to need to review my coverage, I don't see why I should be paying 3 grand a year. I had asked them about it once, and they gave me some canned response about how rates are determined by area/car/etc. You guys know a good approach I should take to get an actual detailed breakdown of why my rates are so high?

09-11-2006, 12:10 PM	#20
nyc3r Colonel Drives: E90 Join Date: Jun 2006 Location: NY Posts: 2,254 iTrader: (15)	It could be the part of Queens your in (Jamaica?). I'd be interested to find out what trick50's coverage is. I have over 10 years of perfect record and I pay more with Geico.

09-11-2006, 12:34 PM	#21
TheCount Second Lieutenant Drives: Dodge Durango SLT (335i Soon) Join Date: Aug 2006 Location: New York Posts: 127 iTrader: (0)	I'm in Kew Garden Hills, which isn't a bad part of Queens at all. but even before that, I lived all the way out in LI in Greenlawn which is around Huntington, a pretty nice area, and I was still paying about $2400 a year, of course, I was also younger then.

09-11-2006, 12:54 PM	#22
driverseven Curve junky Drives: 325 xi Monaco Blue Join Date: Sep 2005 Location: Westchester, NY Posts: 255 iTrader: (0)	I know Kew Gardens well -- I went to high school on Queens Blvd -- and while it is one of the nicest places to live in NYC, it usually tends to show up as one of the places where car theft is highest. The thieves know where all the nice cars live, too. Insurance rates include all kinds of factors, including your driving record and whether you're married or single, whether you are garaging the car or not, and how your neighbhorhood fares on auto theft reports (it's more detailed than just the city and some parts of NYC have higher thefts than others). __________________ 325xi \| Prem pkge \| iDrive \| Sirius \| Cld Wther \| Step \| Nov '06 My Blog