View Full Version : What does everyone pay for insurance??
I just got a quote for full coverage on all three of my cars. She quoted me $1309 for a year. That is $200 cheaper than what I am paying now. :buttrock
This is through Erie.
What about you guys??
John V
03-18-2004, 03:02 PM
$50/100 liability limits, uninsured motorists with $250 ded, comp and collision with $500 deductibles on the M3 = $1100 per year.
Base liability limits, no comp or collision on the bike is $86 per year.
Erie wanted over $2000 a year for the same coverage on the M3. I wonder how they figure this stuff out? I have no tickets, no accidents, no claims, I own a house, am 26 live in columbia and commute only 10 miles to work. WTF?
Mikey52
03-18-2004, 03:10 PM
I have the second lowest limits, 50/150/50 I think, $250 comp., and $1000 collision and was paying nearly $4000/year. This is with Liberty Mutual, I have (had) a spotless driving record, no accidents or tickets, lived in the burbs of Fredneck, and was on my parents' policy with them for 4 years. I was getting pretty royally screwed and was about to change when I got into my accident.
Ironically, I hit a deer and my rates dropped to $2300/year. So if you have high rates, go hunt down Bambi. :D Actually, I turned 21 but I still think my rates are on the high side.
I think I may look into Erie, everyone I know who has them is getting such low rates.
GolGotha999
03-18-2004, 03:50 PM
About $1750/year for $250 ded, $100/$300k coverage with Erie.
Yeah, I was paying a lot too when I had my old 96 Accord. The funny thing about it was my insurance only went up $80 a year when I got my 325. I was only 23 at the time too. However, my insurance didn't really go down when I turned 25. I don't get it.
Oh well, $1300 a year for full coverage on all three cars sounds pretty good to me.:)
GreekM3
03-18-2004, 04:29 PM
WTF-erie refused to insure me under the M3. They said they do not insure "high perf autos" and the M3 was one.... :confused:
I went through them to get progressive, which was like 2200. When I went to Greece and took my plates off I went back to progressive (not going through erie) and it was only 1600 a year...
Originally posted by GreekM3
WTF-erie refused to insure me under the M3. They said they do not insure "high perf autos" and the M3 was one.... :confused:
Hmmm, that's weird. When I told her that I am insuring my 325 and Prelude, she didn't mention anything about high performance vehicles.
I guess they let it pass since I am a responsible driver?:dunno
:D
Originally posted by GreekM3
WTF-erie refused to insure me under the M3. They said they do not insure "high perf autos" and the M3 was one.... :confused:
I went through them to get progressive, which was like 2200. When I went to Greece and took my plates off I went back to progressive (not going through erie) and it was only 1600 a year...
You should show the agent a DVInsight video with you driving in it and be like "see???? I am a GOOD driver!!!!"
GreekM3
03-18-2004, 04:48 PM
Originally posted by Jed
You should show the agent a DVInsight video with you driving in it and be like "see???? I am a GOOD driver!!!!"
:laugh
And then I could of done a burnout to show her who's boss!!!!:buttrock
My record is actually clean though:dunno
GolGotha999
03-18-2004, 09:06 PM
Originally posted by GreekM3
WTF-erie refused to insure me under the M3. They said they do not insure "high perf autos" and the M3 was one.... :confused:
A complete guess here on my part, but Erie's rates are super-low compared to the rest of the industry. Whereas my 328 is not considered a 'performance vehicle', the M3 is - thus, the M is more of a 'risk' because it's easier to drive fast, is statistically in more accidents, etc etc. They don't insure 'riskier' vehicles, which is how they keep everyone else's rates comparatively low.
In other words, if you limit your potential liability (you being Erie), then you limit the amount you have to set aside for when accidents DO occur.
Again, just a guess.
GreekM3
03-18-2004, 09:22 PM
golgotha-we've had eire insurance for a long time....they said it was company policy and that was it.
magnetic1
03-18-2004, 09:45 PM
I have Erie too... they have two "tiers". Once you get into the upper tier, rates are mega cheap.
They wont insure a high performance vehicle especially if they dont have you on record for dricing one for a certain amount of time....
I was lucky that I was already in their upper tier when I got the Vette... I was only paying $800 / year
GreekM3
03-18-2004, 09:52 PM
hmmmmm.........we have to be in their upper tier by now, we've had a LOT of policies with them for over 20 years.
I think our broker is a moron though....
magnetic1
03-18-2004, 10:00 PM
who do you have? I use C.F. O'Connell & Sons.
Try them... 301.384.4400
Mr. Maboomba
03-19-2004, 01:17 AM
It would be nearly $4000 / year if the car were under my name (17 year old male with one total loss at-fault accident in history!). But the car is insured with my 54-year-old mom as the primary driver so its only $1250 / year! Woot!
GreekM3
03-19-2004, 01:49 AM
eric-we have some hick in mt airy-i think brown is his name
John V
03-19-2004, 07:14 AM
Originally posted by magnetic1
I have Erie too... they have two "tiers". Once you get into the upper tier, rates are mega cheap.
They wont insure a high performance vehicle especially if they dont have you on record for dricing one for a certain amount of time....
I was lucky that I was already in their upper tier when I got the Vette... I was only paying $800 / year
Hmm, that explains that. I called Erie the day after I bought the M. The rate they wanted was ridiculous. I'm not paying $2000+ per year to insure the damned thing.
Now that I've been insured with Progressive for a year and a half with the thing, I wonder if my rate will have dropped.
John
Mikey52
03-19-2004, 07:53 AM
Originally posted by GreekM3
hick in mt airy
This is usually a given, no need to have to write 'hick'.
Mark85
03-19-2004, 08:05 AM
im still on my parents insurance policy, which is 550 a year to insure my 325is
///Mracer
03-19-2004, 08:26 AM
Erie - $989/ YEAR
This is for a 95 M3 and 99 audi A4 :D
JUNGLISTluder
03-19-2004, 09:10 AM
you guys are lucky. i pay around $11k per year for insurance on the M3 only!!! I know my dad pays a total of like $16k per year for all our vehicles.......
John V
03-19-2004, 09:13 AM
Originally posted by JUNGLISTluder
you guys are lucky. i pay around $11k per year for insurance on the M3 only!!! I know my dad pays a total of like $16k per year for all our vehicles.......
You have got to be kidding me. If I were your dad I'd have sold that car a long time ago.
Originally posted by SoloII///M
You have got to be kidding me. If I were your dad I'd have sold that car a long time ago.
Your dad drove an E30 325. http://www.honda-acura.net/forums/images/smilies/uhhok.gif
GreekM3
03-19-2004, 11:43 AM
Originally posted by Andy
325. http://www.honda-acura.net/forums/images/smilies/uhhok.gif
People with 325's=POOR!!! right andy, my M3 bro?????:buttrock
Originally posted by GreekM3
People with 325's=POOR!!! right andy, my M3 bro?????:buttrock
Ummmm, well......ahhhh..I don't exactly have an M3. It is M3-like. Basically the samething.
I don't think all 325's are poor. Only E30 and E36 325s. You know what I mean?? http://www.honda-acura.net/forums/images/smilies/thinking.gif:dunno
Originally posted by Andy
I don't think all 325's are poor. Only E30 and E36 325s. You know what I mean?? http://www.honda-acura.net/forums/images/smilies/thinking.gif:dunno
You're talking about the 325i, right??? Because 325is=RICH!!!
right fellas? right? huh? huh?
GreekM3
03-19-2004, 11:57 AM
Originally posted by Andy
Ummmm, well......ahhhh..I don't exactly have an M3. It is M3-like. Basically the samething.
:az: oh sorry bro........hey maybe you should find another forum or something:wave:
Originally posted by GreekM3
:az: oh sorry bro........hey maybe you should find another forum or something:wave:
You prejudice sonofabytch!! Next you will be saying that 325 owners should have their own schools. http://www.honda-acura.net/forums/images/smilies/rant.gif
robmarch
03-19-2004, 12:52 PM
Originally posted by Andy
You prejudice sonofabytch!! Next you will be saying that 325 owners should have thier own schools. [IMGhttp://www.honda-acura.net/forums/images/smilies/rant.gif[/IMG]
smiley own3d.
Mikey52
03-19-2004, 01:24 PM
caught before the edit...owned again.
Originally posted by robmarch
smiley own3d.
Rob, I have no idea what you are talking about. I think you are http://www.honda-acura.net/forums/images/smilies/screwy.gif
GreekM3
03-19-2004, 02:14 PM
Originally posted by Andy
You prejudice sonofabytch!! Next you will be saying that 325 owners should have their own schools. http://www.honda-acura.net/forums/images/smilies/rant.gif
:rolleyes:
dude its not that i think your're not as much of a person because yo car is teh sucks.....its just that you're just not as much of a person for having a 325.
I hope that cleared things up!!:D
hey check this out- www.325isPOORforums.com
maybe i'll join one day if i lose everything and am forced to live in a dumpster and drive a 325:wave:
:mdrbig
jterp
03-19-2004, 02:32 PM
100/300 liability, $1000 deductibles on comprehensive and collision -- $940 / 6 months for my jeep & M3
Mark85
03-19-2004, 05:49 PM
wait, im not considered poor right?
im still in highschool and paid for my 325is with cash over 1 summer, i say if your out of college and you drive a 325 then your poor, right?
haha
Originally posted by Mark85
wait, im not considered poor right?
im still in highschool and paid for my 325is with cash over 1 summer, i say if your out of college and you drive a 325 then your poor, right?
haha
Actually, if you can save up for your car in only one Summer....I would say that is still poor. It should take you longer to save up for a RICH car. :D
just kidding. :)
RRSperry
03-20-2004, 11:51 AM
100/300 $250 comp, $500 ded collision
$380 every six months, my Falco is 4380 a year. But I’m old and have lots of stuff insured.
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