Screwed out of a M3 (Massachusetts)

[m3f_jvquattro]

OK, break down your statement...liability (and limits), comp and collision deductibles, etc.



My car is Paid Off so I can decide even if I wanted the minimum required in CA which is lower than what I have opted for. 15/30/10.



Limits of Liability

Bodily Injury - $25,000 Each Person / $50,000 Each Accident

Property Damage Liability - $25,000 Each Accident



Comprehensive Deductible - $500

Collision Deductible - $500



Premium Per Car (BMW M3 CONV 2 DR) - $218 / 6 months :beer:



Here is my insurance agency address:



Huntington Pacific Insurance Agency

22940 Lyons AVE

Newhall, CA 91321

Betsy Davis

661-291-1004

[m3f_Yooklid]

I pay $5200.



I live in SF

I'm 28

I have NO driving history (just got my US Drivers license last feb).



Surely you can work something out? I used progressive. They seemed pretty good. Remember that doing things like having a low jack and insuring your home with the same company will reduce the premium option (by a lot in some cases -25% for low jack, I think). I also took LARGE deductables, but I can cover that.



-Y

[m3f_m3parker]

I'm in NC and have a 97 M3, I pay $505 every 6 months. I'm 22 now, so it should drop after i turn 25. its amazing where you live determines how much you pay

[m3f_custom_6b7ab27928]

I live in a Boston suburb and pay under $2k for my 97 M.

[m3f_skydiv8824]

I live in a Boston suburb and pay under $2k for my 97 M.



I live in wocrster and pay 2300 for my 95m3 I'm 25, but also a step 22 driver /;-( the only waymine is as cheap as it is is because I have 1000$ deductables (knocks on wood no accidents) also fyi the inchurance raket in mass is run by the state and tere are only like 5 providersthatyour are allowed to have and 80% of those providers are divisions of Commerce in other states you can get competive rates because there are more options .



Damn Democratic State .

[m3f_gobuffs_31191dbf06]

My car is Paid Off so I can decide even if I wanted the minimum required in CA which is lower than what I have opted for. 15/30/10.



Limits of Liability

Bodily Injury - $25,000 Each Person / $50,000 Each Accident

Property Damage Liability - $25,000 Each Accident



Comprehensive Deductible - $500

Collision Deductible - $500



Like I said- lots or variables and it is insane to compare what you are paying versus somebody else.



I would NEVER dream of carrying that low of limits on a car. Hell, you run into a Honda minivan (your at fault accident) and those limits won't even pay for the repairs on it....much less hitting anything with more value. I carry 100/300 and am thinking about raising them. Still seems low but you coverage is poor IMO.

[m3f_nyckid]

Looks like I'm back on. I got a quote for $2800 from Mutal but the coverage is low and my deductible is $2K.



I'm not too worried about the high deductible because in my situation reporting something that will cost me $1500 to fix will be a bad idea given that my insurance will probably increase 100%.



Anyway, I'm moving in 5 months.

[m3f_skydiv8824]

Like I said- lots or variables and it is insane to compare what you are paying versus somebody else.



I would NEVER dream of carrying that low of limits on a car. Hell, you run into a Honda minivan (your at fault accident) and those limits won't even pay for the repairs on it....much less hitting anything with more value. I carry 100/300 and am thinking about raising them. Still seems low but you coverage is poor IMO.



I carry 200/300 should be enuff for a small hospital bill just incase I 'm all set with having my wages stipened for the next 30 years I 'll wait for a wife /ex wife or kids to do that :-) :beer:

[m3f_hybrid_eg]

I'm in NC and have a 97 M3, I pay $505 every 6 months. I'm 22 now, so it should drop after i turn 25. its amazing where you live determines how much you pay



hello people!!!! do what i described above.. have the car in someone elses name, and let them insure it.. it should be no more then 250-300 for 6 months, with 100/300/100 on someone thats say 55+ w/clean record.. then you just drive the damn thing!!! I cant believe some of you are paying 5k+ thats insane, my .02 cents..

[m3f_jvquattro]

Like I said- lots or variables and it is insane to compare what you are paying versus somebody else.



I would NEVER dream of carrying that low of limits on a car. Hell, you run into a Honda minivan (your at fault accident) and those limits won't even pay for the repairs on it....much less hitting anything with more value. I carry 100/300 and am thinking about raising them. Still seems low but you coverage is poor IMO.





Coverage on the Auto insurance is not poor if you back it up with umbrella insurance (also linked to my home). And that is what kicks in when (and hopefully not) the insurance is not enough for that accident. I can also raise the limit to what you have 100/300 and still not pay close to double. So its really different strokes for different folks. If you want to pay more for insurance go ahead thats your choice. So I agree you cannot really compare, all I'm saying is everyone thinks that insurance in California is high but what are you comparing to?