WTF....auto insurance - BMW 3-Series (E90 E92) Forum

ska325xi · 01-17-2007, 10:51 AM

My auto insurance premium went up 50% ($1050 to $1570), clean record for 10+ years, same policy...etc.
I don't understand Massachusettes, insurance always increases

and why the F$%# Geico and Allstate advertise on Local TV when they dont even offer insurance in our state...retards

so whats everyone paying for their autos?

2Scoops · 01-17-2007, 12:03 PM

Just changed insurance companies, I now pay $850 a year for full coverage in Michigan.

Brunotheboxer · 01-17-2007, 03:18 PM

Quote:

Originally Posted by ska

My auto insurance premium went up 50% ($1050 to $1570), clean record for 10+ years, same policy...etc.
I don't understand Massachusettes, insurance always increases

and why the F$%# Geico and Allstate advertise on Local TV when they dont even offer insurance in our state...retards

so whats everyone paying for their autos?

i have plymouth rock assurance and i pay about 1300 a year. i think those geico and allstate advertisements are national ads, but i do agree with you that the MA. insurance laws are a F-ing scam.

KL2DC · 01-17-2007, 03:31 PM

Paying slightly less than $1,100 in DC metro area, full coverage, high limits, rental car etc. Clean record, I'm 31, wife is 29, no kids. This is with Geico, no premium hike expected.

MacAttack · 02-22-2007, 05:17 AM

Paying about $1500....pretty clean record...43...three kids. Hoping it'll be less when we head to Newport. ...doesn't soundlike it though.

ska325xi · 02-24-2007, 02:55 PM

Quote:

Originally Posted by MacAttack

Paying about $1500....pretty clean record...43...three kids. Hoping it'll be less when we head to Newport. ...doesn't soundlike it though.

Mac...are you in Germany or Mass?
My $1500 is actually cheap, but just didnt understand the raise

piezo · 02-24-2007, 05:22 PM

I just called Amica yesterday and they quoted me a $990 additional premium to add the new 335i Coupe to my existing policy. That figure includes multi-vehicle and multi-line (homeowner's with them also) discounts and is pre-dividend, meaning I should see $198 of it returned at the end of the renewal period.

I didn't think that was too bad, considering R.I. rates aren't much different than Mass. (40 y/o, clean record, married, kids)

One thing that could explain a sudden swing is that some insurers are now factoring in your credit score when they rate you.

MacAttack · 02-25-2007, 08:57 PM

Quote:

Originally Posted by ska

Mac...are you in Germany or Mass?
My $1500 is actually cheap, but just didnt understand the raise

Still in Germany. Heading there in a few months for a year. We move too much in the military. I'll have four moves in five years time.

You said $1500 is cheap? ....now you're making me worry.

mosport70 · 02-26-2007, 06:18 PM

Paying $720/yr on the 330xi with Allstate... been going up about $5 every six months... no claims, very decent limits for TN. Have home coverage with them.

Just had a $100/yr increase on the 03 Honda Ody... time to get an X5!

Seriously look at switching... I used to use Progressive and loved it. I switched when Allstate made an offer I couldn't refuse. I would go back to Progressive if Allstate ever screws up.

Titania · 02-27-2007, 08:40 AM

Quote:

Originally Posted by mosport70

Paying $720/yr on the 330xi with Allstate... been going up about $5 every six months... no claims, very decent limits for TN. Have home coverage with them.

Just had a $100/yr increase on the 03 Honda Ody... time to get an X5!

Seriously look at switching... I used to use Progressive and loved it. I switched when Allstate made an offer I couldn't refuse. I would go back to Progressive if Allstate ever screws up.

Switching won't really get you too far in Mass. Insurance rates are set by the state, it's not a competitive system, like it is in most states. You can get some discounts, usually by bundling other types of insurance with the same company.

riceqx2 · 02-28-2007, 06:40 PM

In Massachusetts(and not pricipally garaged in a high risk town); 328XI Coupe, Part 7 (collision-500.00 deductable); 655.00, Part 9 (comprehensive-500.00 deductable); 206.00. Part 10; Substitute Transportation (which I probably don't need); 70.00. Safe Driver Credit; 69.00. 25% Air Bag Discount applied. TOTAL $1229.00
When I called the insurance company (Metropolitan) and inquired about a discount for the 'Vehicle Recovery System' which I have as part of the Premium Package for the next four years, I was told that 'Lojack' is the only Vehicle Recovery System which qualifies for a discount because BMW's plan is considered to be a 'pay as you go' type of deal which can be terminated- unlike Lojack where once its installed, you have the thing for as long as you own the car.

Rocco 335i · 02-28-2007, 07:00 PM

My insurance premium went up from 1140 to 1175. Yes thats only a 35 dollar increase for the year:rocks: I am 32 year old man with a wife and one 7 year old daughter i have had state farm insurance now for about 6 years

VAE90 · 02-28-2007, 10:09 PM

28/m, unmarried with no kids, clean record (thankfully VA doesn't report traffic violations to FL) and paying $896/year w/ $500 deductible.

herbz · 02-28-2007, 10:35 PM

I'm 20.... Have had my liscence for ~3 years.

-1 accident 3 months after I got my liscence (my fault, both cars totalled)

-1 speeding ticket for $450 (90 in a 55, passing on the right)

....it's alot... and it's gonna take a loooong time with no penalties for my shizz to go down.

herbz · 02-28-2007, 10:37 PM

Quote:

Originally Posted by VAE90

28/m, unmarried with no kids, clean record (thankfully VA doesn't report traffic violations to FL) and paying $896/year w/ $500 deductible.

you sure you're in the right section?

VAE90 · 02-28-2007, 10:41 PM

Quote:

Originally Posted by herbz

you sure you're in the right section?

As opposed to....? :-)

vladinecko · 02-28-2007, 10:48 PM

hey, quit whining boys. i just moved from PA to CA and my premium went up from $1,100/6 months to $3,000/6 months so I'm not happy...

Titania · 03-01-2007, 08:17 AM

Quote:

Originally Posted by riceqx2

In Massachusetts(and not pricipally garaged in a high risk town); 328XI Coupe, Part 7 (collision-500.00 deductable); 655.00, Part 9 (comprehensive-500.00 deductable); 206.00. Part 10; Substitute Transportation (which I probably don't need); 70.00. Safe Driver Credit; 69.00. 25% Air Bag Discount applied. TOTAL $1229.00
When I called the insurance company (Metropolitan) and inquired about a discount for the 'Vehicle Recovery System' which I have as part of the Premium Package for the next four years, I was told that 'Lojack' is the only Vehicle Recovery System which qualifies for a discount because BMW's plan is considered to be a 'pay as you go' type of deal which can be terminated- unlike Lojack where once its installed, you have the thing for as long as you own the car.

I got a LoJack to grab that discount. The discount isn't huge, but it's enough to pay for the LoJack. I wouldn't have bothered if this was a lease, though.

MBrown1003 · 03-01-2007, 11:05 AM

Quote:

Originally Posted by Titania

I got a LoJack to grab that discount. The discount isn't huge, but it's enough to pay for the LoJack. I wouldn't have bothered if this was a lease, though.

Hate to be the one to break this to you, but if your car has BMW Assist, you wasted the LoJack money. Assist has the same capability, and you get the same discount.

Spazdoc · 03-14-2007, 01:32 PM

Man, I am glad I will only be in Mass for a year or so once I get the car.... this is one of the worst states for cars. My wife is fron Jersey, and it is amazing how the insurance here is even worse than NJ (and they have one of the worst auto insurance situations).

It is all because of the over-regulation of the auto insurance. They pander to the lowest common denominator driver, and thus is hurts the average and good drivers.

Brunotheboxer · 03-14-2007, 01:56 PM

Quote:

Originally Posted by Spazdoc

Man, I am glad I will only be in Mass for a year or so once I get the car.... this is one of the worst states for cars. My wife is fron Jersey, and it is amazing how the insurance here is even worse than NJ (and they have one of the worst auto insurance situations).

It is all because of the over-regulation of the auto insurance. They pander to the lowest common denominator driver, and thus is hurts the average and good drivers.

thats what you get when you live in one of the most corrupt states in the union. just look at the big dig.

Spazdoc · 03-14-2007, 03:39 PM

Quote:

Originally Posted by Brunotheboxer

thats what you get when you live in one of the most corrupt states in the union. just look at the big dig.

Yep. I live over it. I saw a poster for the opening of the Greenway April 2005.... And I thought Jersey was bad. The auto insurance is like the power companies in California a few years ago - the laws stifle the big companies.

If you want to see funny, check out the gun laws in MA. I don't have any guns here because of the graft. It is ridiculous. You have to import the weapon using a gun dealer. You cannot buy certain guns new, but you can buy them used. ETc, etc, etc...

01-17-2007, 10:51 AM	#1
ska325xi Brigadier General Drives: 325XI Join Date: Sep 2005 Location: Boston Posts: 4,591 iTrader: (13) View ska325xi's Garage	WTF....auto insurance My auto insurance premium went up 50% ($1050 to $1570), clean record for 10+ years, same policy...etc. I don't understand Massachusettes, insurance always increases and why the F$%# Geico and Allstate advertise on Local TV when they dont even offer insurance in our state...retards so whats everyone paying for their autos? __________________

01-17-2007, 12:03 PM	#2
2Scoops I Am Become Death... Destroyer Of Worlds Drives: 325i Join Date: Apr 2006 Location: A Special Place On The Lake! Posts: 4 iTrader: (0)	Just changed insurance companies, I now pay $850 a year for full coverage in Michigan. __________________ Jet Black/Terra/Burl, ZPP, Xenon, CA, Heated Seats, OEM Front Splitters, Blacklines, Rear Fog Lights, Chrome Tips, Subwoofer, Debadged

01-17-2007, 03:31 PM	#4
KL2DC Your Moderately Moderate Moderator Drives: E90 325i, W211 E350, W210 E55 Join Date: Jan 2006 Location: DC Metro Posts: 17,649 iTrader: (22) View KL2DC's Garage	Paying slightly less than $1,100 in DC metro area, full coverage, high limits, rental car etc. Clean record, I'm 31, wife is 29, no kids. This is with Geico, no premium hike expected. __________________ Official DC Metro Registry - Current, New & Prospective Area Members Roll Call! BMW CCA Member # 364222 Join the club...

02-22-2007, 05:17 AM	#5
MacAttack Colonel Drives: fast enough Join Date: Nov 2006 Location: Afghanistan Posts: 2,156 iTrader: (0) View MacAttack's Garage	Paying about $1500....pretty clean record...43...three kids. Hoping it'll be less when we head to Newport. ...doesn't soundlike it though. __________________ 2007 E92 335i Coupe: Monaco Blue/Premium/Sports/Winter Package/Nav/CA/6MT/TT/Active Cruise/Active Steering/iPod/Rear Shade/Tint/Short Shifter/OEM Alum Pedals//

02-26-2007, 06:18 PM	#9
mosport70 First Lieutenant Drives: 330xi Join Date: Apr 2006 Location: South Posts: 327 iTrader: (0) View mosport70's Garage	Paying $720/yr on the 330xi with Allstate... been going up about $5 every six months... no claims, very decent limits for TN. Have home coverage with them. Just had a $100/yr increase on the 03 Honda Ody... time to get an X5! Seriously look at switching... I used to use Progressive and loved it. I switched when Allstate made an offer I couldn't refuse. I would go back to Progressive if Allstate ever screws up. __________________ 330xi Sparkling Graphite \| Terra with Burl Walnut \| ZPP \| ZSP with Style 162 \| Comfort Access \| Heated Seats \| PDC \| Navigation \| Satellite Radio \| OEM Alarm \| De-badged \| OEM Strut Brace \| Blacklines \| Rear Fogs \| Silver Front Indicator Bulbs Ordered: 4.3.2006 Scheduled for Production: 4.7.2006 Awaiting Transport: 4.13.2006 En Route: 4.19.2006 At Preparation Center: 5.11.2006 Performance Center Delivery: 06.01.2006

02-24-2007, 05:22 PM	#7
piezo unstratified Drives: '07 335i Coupe Join Date: Feb 2007 Location: New England Posts: 148 iTrader: (0)	I just called Amica yesterday and they quoted me a $990 additional premium to add the new 335i Coupe to my existing policy. That figure includes multi-vehicle and multi-line (homeowner's with them also) discounts and is pre-dividend, meaning I should see $198 of it returned at the end of the renewal period. I didn't think that was too bad, considering R.I. rates aren't much different than Mass. (40 y/o, clean record, married, kids) One thing that could explain a sudden swing is that some insurers are now factoring in your credit score when they rate you.

02-28-2007, 06:40 PM	#11
riceqx2 Private Drives: 335XIC... Join Date: Oct 2006 Location: Massachusetts Posts: 67 iTrader: (0)	In Massachusetts(and not pricipally garaged in a high risk town); 328XI Coupe, Part 7 (collision-500.00 deductable); 655.00, Part 9 (comprehensive-500.00 deductable); 206.00. Part 10; Substitute Transportation (which I probably don't need); 70.00. Safe Driver Credit; 69.00. 25% Air Bag Discount applied. TOTAL $1229.00 When I called the insurance company (Metropolitan) and inquired about a discount for the 'Vehicle Recovery System' which I have as part of the Premium Package for the next four years, I was told that 'Lojack' is the only Vehicle Recovery System which qualifies for a discount because BMW's plan is considered to be a 'pay as you go' type of deal which can be terminated- unlike Lojack where once its installed, you have the thing for as long as you own the car.

02-28-2007, 07:00 PM	#12
Rocco 335i Private First Class Drives: 2007 335i coupe in alpine whit Join Date: Dec 2006 Location: Cookeville Tn. Posts: 91 iTrader: (0)	My insurance premium went up from 1140 to 1175. Yes thats only a 35 dollar increase for the year:rocks: I am 32 year old man with a wife and one 7 year old daughter i have had state farm insurance now for about 6 years

02-28-2007, 10:09 PM	#13
VAE90 Private First Class Drives: 2006 325i Join Date: Feb 2007 Location: Portsmouth, VA Posts: 71 iTrader: (0) View VAE90's Garage	28/m, unmarried with no kids, clean record (thankfully VA doesn't report traffic violations to FL) and paying $896/year w/ $500 deductible.

02-28-2007, 10:35 PM	#14
herbz Banned Drives: '86 325e Join Date: Oct 2006 Location: outside boston MA Posts: 810 iTrader: (0)	I'm 20.... Have had my liscence for ~3 years. -1 accident 3 months after I got my liscence (my fault, both cars totalled) -1 speeding ticket for $450 (90 in a 55, passing on the right) ....it's alot... and it's gonna take a loooong time with no penalties for my shizz to go down.

02-28-2007, 10:48 PM	#17
vladinecko Brigadier General Drives: '08 E92 335i Join Date: Jun 2005 Location: Bay Area, CA Posts: 3,836 iTrader: (1) View vladinecko's Garage	hey, quit whining boys. i just moved from PA to CA and my premium went up from $1,100/6 months to $3,000/6 months so I'm not happy... __________________ 2008 E92 335i - Montego Blue/Black/Gray Poplar/6MT/ZPP/ZSP/iDrive/PDC/Heated Seats/HD Radio/iPod-USB 2006 E90 330i - Mystic Blue/Black/Aluminum/6MT/ZPP/iDrive/PDC/Heated Seats/Sat. Prep - *Retired* 1994 E36 325i - Boston Green/Beige/Automatic/ZPP/Heated Seats/Premium Sound - *Retired*

03-14-2007, 01:32 PM	#20
Spazdoc Major Drives: 2007 E90 335i - Montego Join Date: Jan 2007 Location: Evanston, IL Posts: 1,003 iTrader: (5) View Spazdoc's Garage	Man, I am glad I will only be in Mass for a year or so once I get the car.... this is one of the worst states for cars. My wife is fron Jersey, and it is amazing how the insurance here is even worse than NJ (and they have one of the worst auto insurance situations). It is all because of the over-regulation of the auto insurance. They pander to the lowest common denominator driver, and thus is hurts the average and good drivers.