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-   -   m3 questionnnnn (http://forum.e46fanatics.com/showthread.php?t=970765)

Ramseyd 02-12-2013 04:22 PM

m3 questionnnnn
 
OK so i hope there is not a thread on this already but i own a 323i right now and i am here at the end of the month looking into buying a M3 around 02-05 range and i was curious on what the insurance is? like what do you guys think the increase will be? what do you guys pay? thankyou this will be very helpful

cak323i 02-12-2013 04:28 PM

There are several factors affecting cost of insurance. To quickly answer your question, yes your insurance will go up from what you currently pay for your 323i to an ///M.

Depending on the amount of coverage you choose, your driving record, :blah::blah::blah:

In my case I shell out about $800/yr for my ///M - full coverage. I would guess (assuming you have a perfect driving record and are over 25) that the difference should be no more than about $100-$120/yr from what you're already paying.

How much it will go up depends on the insurance you choose. For me it was worth the cost of having my ///M and I'm enjoying the heck out of mine! :thumbsup: Good luck but be sure to choose an ///M that has excellent maintenance history and has not been abused.

Alan 02-12-2013 04:33 PM

What is your age, home zip code, driving record and credit score? All affect your insurance rate.

choxor 02-12-2013 04:34 PM

For me it was cheap. Get quotes. That's the only way you're going to find out. Asking us what we pay is not going to help you.

And what's with the annoying trend of putting a bunch of extra letters at the end of words.

Ramseyd 02-12-2013 05:03 PM

I'm on my patents and 18

Alan 02-12-2013 06:30 PM

Quote:

Originally Posted by Ramseyd (Post 15155764)
I'm on my patents and 18


You make a living off patents?

choxor 02-12-2013 06:51 PM

Maybe he does intellectual property law.

Alan 02-12-2013 08:33 PM

Quote:

Originally Posted by choxor (Post 15156124)
Maybe he does intellectual property law.



Thats a risky insurance group. Higher rates.

charmcitybimmer 02-12-2013 09:32 PM

I had the best luck with geico and progressive. Just take the time build some quotes online

Hockeyguy02 02-12-2013 09:33 PM

You guys are so lucky. I pay 300/month in BC.

Ramseyd 02-12-2013 09:41 PM

I'm on there insurance because I can be.... They said it doesn't matter to them and they don't feel like taking the time to remove me so for now it's fine. So I'm not complaining and going to beg for my own.. But thanks for the help I was just curious.

VonGeiss 02-12-2013 09:53 PM

^ I'm still on my father's insurance because it's way cheaper for me and it's the best insurance around!

23y.o., bad accident on my record, and I have a few (insurance) points, as they stick around longer than they do for my state's records - I pay I think it's 1700/yr full coverage.

Ramseyd 02-12-2013 09:55 PM

Yeah I have quite a bad record also so it's probably better for me to stay on there's until mine lowers in price

Gheybe 02-12-2013 09:57 PM

As per a quote I did 1 week ago, the m3 is $6 a month cheaper for me.

Ramseyd 02-12-2013 09:59 PM

Quote:

Originally Posted by Gheybe (Post 15156870)
As per a quote I did 1 week ago, the m3 is $6 a month cheaper for me.

What kind of car do you own? Is the m3 like high performance under insurance?

Gheybe 02-12-2013 10:00 PM

Quote:

Originally Posted by Ramseyd (Post 15156884)
What kind of car do you own? Is the m3 like high performance under insurance?

Just call your insurance.

choxor 02-12-2013 10:03 PM

So you're 18, already have a bad driving record, and you want an M3?

This can only end well.

Ramseyd 02-12-2013 10:06 PM

Quote:

Originally Posted by choxor (Post 15156904)
So you're 18, already have a bad driving record, and you want an M3?

This can only end well.

Quick to judge without knowing the facts... Had my license suspended for passing through a bus stop sign at a confusing intersection when the driver didn't have the sign out. Lost at court and yeah.

Alan 02-12-2013 10:07 PM

Quote:

Originally Posted by Ramseyd (Post 15156864)
Yeah I have quite a bad record also so it's probably better for me to stay on there's until mine lowers in price


I predict that you/your parent's policy will get brutalized.

Ramseyd 02-12-2013 10:16 PM

Quote:

Originally Posted by Alan (Post 15156918)
I predict that you/your parent's policy will get brutalized.

Read what I just said..... Everyone on here is so quick to jump into things and try to start online arguments. It Isn't effecting my insurance for a very long time..


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