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      12-16-2010, 02:09 PM   #1
RaPiDneSs
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BMW Performance insurance - Liberty Mutual

Did any of you receive a letter from BMW offering this insurance??

I pay alot for my 328.. payed like 1400 for 6 months..totally is raping my pockets... says i can save up to 400..called and it only saves me around 134...but atleast they replace everything with OEM parts.. i currently have Geico btw.
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      12-16-2010, 02:16 PM   #2
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I got a quote from them when I first got my car. They were super expensive over State Farm, so I stated with State Farm.
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      12-16-2010, 03:15 PM   #3
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Wow...I pay less than that my 330 and my Honda.
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      12-16-2010, 03:55 PM   #4
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Yeah I got the letter too I have USAA no one else could touch their rates.
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      12-16-2010, 04:07 PM   #5
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Damn you guys pay some high premiums....for full coverage on my 335i and my wifes civic I only pay $128 a month (GEICO). WTF?
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      12-16-2010, 04:28 PM   #6
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I have lib mutual....

for my e90 and a 08 ford escape I pay $$112 a month for me and my inexperienced driver wife.
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      12-16-2010, 04:33 PM   #7
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so... being married lowers your premium?
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      12-16-2010, 04:35 PM   #8
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Quote:
Originally Posted by e92hobear View Post
so... being married lowers your premium?
supposedly it does.....but I was surprised in my case since my wife was just licensed in the US. Technically she is as green as a senior in HS.
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      12-17-2010, 01:21 PM   #9
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yea rates are insane, i have a to pay in the neighborhood of 240 bucks a month for myself (just got the 22 years of driving experience credit), and my "inexperienced wife" who didnt care about getting her drivers license until she hit 29 hehe. This is being in NC, which should be a lower rate state, when i lived in atlanta the premiums were even higher! That covers a 2011 bmw 335d, and a 2004 toyota 4 runner limited.

In that 22 years of driving, i have had 1 accident, which was 5 years ago, my wife has had none. Neither of us have a single point on our license or insurance, I tried getting competitive quotes and everyone else was much higher!
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      12-17-2010, 01:37 PM   #10
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Quote:
Originally Posted by RaPiDneSs View Post
Did any of you receive a letter from BMW offering this insurance??

I pay alot for my 328.. payed like 1400 for 6 months..totally is raping my pockets... says i can save up to 400..called and it only saves me around 134...but atleast they replace everything with OEM parts.. i currently have Geico btw.
Wow! That's pretty high! I own two beemers: 2006 325xi, 2001 325Ci and 2003 Nissan Frontier and I pay about $135 p/month.

You need to shop around.
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      12-17-2010, 01:44 PM   #11
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I had LM for quite awhile... and had it thru my G35 days...

when i changed to the 335i e90... my LM insurance went up at least $600 a year....

I switched to Alstate and it was $100 or $200 less then what it was with LM and G35.
(if you can understand my jibberish)

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      12-18-2010, 01:43 AM   #12
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Quote:
Originally Posted by e92hobear View Post
so... being married lowers your premium?
Quote:
Originally Posted by TENCHI View Post
supposedly it does.....but I was surprised in my case since my wife was just licensed in the US. Technically she is as green as a senior in HS.
Quote:
Originally Posted by sf_loft View Post
Location, marital status, age, and occupation among other things determine your premium. My rates jumped $200 just by moving from one zip code to another.
What he said!
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      12-18-2010, 02:17 AM   #13
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Tried them once, they could not beat my current quote at that time.
Generally hate insurance companies, eager to collect the premium money they look for every way possible to stiff you.
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      12-18-2010, 04:38 AM   #14
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im about to be 23 yrs old.. have been involved in an accident (other parites fault, but i was not carrying an insurance at the time).. also caught speeding 45 on a 30 when i had no license..commute in the bay area... so yea.. that's why it must be expensive

but im going to shop around.. dont want to pay another 1k.. i rather pay monthly.
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      12-18-2010, 08:50 AM   #15
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Depends a LOT on what annual mileage you're quoting, and your coverages... people skimp a lot on those and get really low rates.
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      12-18-2010, 08:59 AM   #16
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Quote:
Originally Posted by RaPiDneSs View Post
im about to be 23 yrs old.. have been involved in an accident (other parites fault, but i was not carrying an insurance at the time).. also caught speeding 45 on a 30 when i had no license..commute in the bay area... so yea.. that's why it must be expensive

but im going to shop around.. dont want to pay another 1k.. i rather pay monthly.

Like they say on ESPN, "Come on Mannn!" What do you expect with a track record like yours and you're a male. High risk age with high risk driving record = high rates.

My wife and I have an 09 335xi & 07 g35, pay $640 for 6 months.

Depending on the insurance company it's sometimes worth it to pay 6 months in advance because there is a pretty significant discount vs paying month to month.
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      12-18-2010, 02:41 PM   #17
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Quote:
Originally Posted by RaPiDneSs View Post
im about to be 23 yrs old.. have been involved in an accident (other parites fault, but i was not carrying an insurance at the time).. also caught speeding 45 on a 30 when i had no license..commute in the bay area... so yea.. that's why it must be expensive

but im going to shop around.. dont want to pay another 1k.. i rather pay monthly.
Speeding 15 over the limit gives you about 25% increase in premium, tracked for 3 years; accident too can give a major increase. So stay put for 3 years now, nothing you can do.
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      12-19-2010, 12:01 AM   #18
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Wow. Some of your rates are crazy. With Geico, I only pay $120 a month for my 328 and a Tahoe. With extra coverage and I live and commute in the bay area. Both my wife and I have 1 ticket.
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      12-19-2010, 12:32 AM   #19
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My insurance rates in NJ seem to go up every year instead of down. NJ is probably the most expensive state in the country.
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      12-19-2010, 01:05 AM   #20
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I had a pretty good deal with Ameriprise (AMEX Insurance) until my tickets caught up with it. They screwed me up by almost doubling my premium. So, I switched to eSurance recently. The premium is still kind of high but there's less of "getting raped" feeling at least.

http://www.esurance.com/Welcome/Home/HomePage.aspx?
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      12-19-2010, 05:09 AM   #21
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What he said!
ty... you've contributed greatly.
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