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///M3 Forum
The BMW E46 ///M3 is the M version E46 and puts out an amazing 333 HP and 262 lb-ft of torque at stock specs! There are an amazing amount of modifications for both the coupe and convertible models so read up and get started modifying your cars today!

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Old 02-12-2013, 10:24 PM   #21
choxor
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Neato. If you're 18 you're an adult, pay for your own insurance. Go get a quote.

Otherwise ask your parents to get a quote.
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Old 02-12-2013, 10:35 PM   #22
Alan
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Originally Posted by Ramseyd View Post
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..

If you wait several years for it to roll-off your record AND have no further infractions - you'll be fine (in a couple of years).
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Old 02-12-2013, 10:39 PM   #23
Ramseyd
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Neato. If you're 18 you're an adult, pay for your own insurance. Go get a quote.

Otherwise ask your parents to get a quote.
I don't need my own right now, how I'm doing it works perfectly fine for me. I was just curious on how much it would rise. Thank you for the help I will get a quote.
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Old 02-12-2013, 10:41 PM   #24
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If you wait several years for it to roll-off your record AND have no further infractions - you'll be fine (in a couple of years).
Alright..
That's the plan.
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Old 02-13-2013, 09:15 AM   #25
2002topasblueM3
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I'm 18 and on my parent's insurance. It's cheaper for me to do it that way and I'm not hurting them any because I have a clean driving record. I don't blame the OP for wanting to be on his parents plan, you save a lot of money that way. I pay $1200 a year. I had an 01 330i before the m3 and I was paying $1000 a year with that. So for me it didn't move that much. I live in Maryland and use State Farm. And I get the good student and good driver discounts so that also makes it cheaper
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Old 02-13-2013, 09:26 AM   #26
Ramseyd
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I'm 18 and on my parent's insurance. It's cheaper for me to do it that way and I'm not hurting them any because I have a clean driving record. I don't blame the OP for wanting to be on his parents plan, you save a lot of money that way. I pay $1200 a year. I had an 01 330i before the m3 and I was paying $1000 a year with that. So for me it didn't move that much. I live in Maryland and use State Farm. And I get the good student and good driver discounts so that also makes it cheaper
Thankyou!, that's what I needed to know.
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Old 02-13-2013, 11:11 AM   #27
DSilk56
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I'll be the adult here. If your parents are paying for your insurance, you had better ask them whether or not THEY have any objections to your purchasing an M3. I can tell you from experience that young men can be exorbitantly expensive to insure when they are being insured to drive a high performance car. The insurance for my 20 year old son costs more than my insurance, my wife's insurance, and our 2 daughters' insurance COMBINED. And that's to drive a C class Mercedes.
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Old 02-13-2013, 11:31 AM   #28
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520/month full coverage ... 190/minimum coverage . 23 with a terrible driving record.
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Old 02-13-2013, 01:07 PM   #29
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I went from a 323ci to am M3 and my ins went up $20 per 6 months, but I am over 35 and have a perfect record with no accidents. So I am paying $60 per month for full coverage



Quote:
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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

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Old 02-13-2013, 01:09 PM   #30
rblynn78
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I can tell you, if you have anything like what you stated on your license, your rate will go up ALOT when you purchase an M3. 323 and M3 are not even close to being rated the same vehicle. The M3 is marked as high performance, I bet you insurance will easily double or triple even under your parents.
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Old 02-13-2013, 05:20 PM   #31
Ballstowalls
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In 17 I'm on my parents insurance, I pay 180$ a mouth.

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Old 02-13-2013, 05:37 PM   #32
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In 17 I'm on my parents insurance, I pay 180$ a mouth.

I think thats above the going rate.
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Old 02-13-2013, 05:48 PM   #33
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I pay $376 every quarter for:

State Farm Full Coverage w/ bodily injury & property damage medical payments, comprehensive collision, emergency road side service, car rental/ travel expenses, uninsured/underinsured with a $100 deductible.

San Jose, CA
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Old 02-13-2013, 06:35 PM   #34
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520/month full coverage ... 190/minimum coverage . 23 with a terrible driving record.
You serious? $520 a month? geeeeeees. You have learned a good lesson I'm sure of it.
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