Average 6 month Insurance Premium

Swashplate · 12-03-2010, 01:37 PM

I was just curious to see what we all pay for our 6 month premuim.

Basic handy info would be, age , driving record and company.
Also stating if you have an unusually large or small deductible or amount of coverage.

I pay around $1000.00
Age 29
Perfect Driving record and credit.
500 CSL, $10K PIP, UM 300/300
Comp at $250 & Coll at $500
Rental car coverage 50/per day ($25)
Gap coverage ($11)

I thought this car would be less than my Evo or STI but it's most likely the cost of repair is higher and it is a two door.

jumpthewire · 12-03-2010, 02:23 PM

Similar coverage/rate. My annual is 1969. Good driving record/30 yrs old.

tekmoe · 12-03-2010, 02:58 PM

$500 for 6 months.

27 years old, single, excellent credit, no tickets or accidents during the last 3 years.

$500 comp/coll. $25k/$50k/$25k liability.

mousitch · 12-03-2010, 03:00 PM

300/300
10,000 med
100 comp
500 collision
towing

$732 annual

Gotta love geico........

41
ok driving record(smashed up the vert mid-summer)

r4gs · 12-03-2010, 03:05 PM

some pretty good rates here. i'd to get a texas state license in addition to my singapore license in order to get anywhere close to similar rates.

25 years old
unverifiable credit/driver's record
30/60/30
comp, coll $1000 deductible
uninsured motorist property damage
emergency roadside service

$795.70 for 6 months on geico

The HACK · 12-03-2010, 03:05 PM

$680/6mo.

ANUSTART · 12-03-2010, 03:09 PM

My specs are close but I'm 39 and live in Illinois. I'm paying around $425 a year.

FerRrari · 12-03-2010, 03:22 PM

~$160/Month for the MINI and the M for 2 drivers, 28 and 30 years old.

Swashplate · 12-03-2010, 03:32 PM

Ok well that makes me feel slightly better. Rates out here must be higher for some reason.

Quote:

Originally Posted by FerRrari

~$160/Month for the MINI and the M for 2 drivers, 28 and 30 years old.

boydgti · 12-03-2010, 04:12 PM

I have collectors insurance here in Canada. U have too get your car appras even 5 years and im allowed 5000km a year plus the car cannt be your DD. Has 2million liab towing ect included. These works great for me and costs only $500 a year

Swashplate · 12-03-2010, 04:14 PM

Yea I have that on the Mustang. I will be daily driving the Z4 so that is not really an option.

And FYI I am an Aviation Insurance Broker......hence why I am slightly pissed about my rates....Will be investigating

Quote:

Originally Posted by boydgti

I have collectors insurance here in Canada. U have too get your car appras even 5 years and im allowed 5000km a year plus the car cannt be your DD. Has 2million liab towing ect included. These works great for me and costs only $500 a year

HaiDef · 12-03-2010, 04:24 PM

$540 with progressive. 30 yr old

johanness · 12-03-2010, 04:59 PM

Because of ONE ticket in 2008, I'm paying $230/mo with Progressive (RIP-OFF), despite having the HIGHEST level of deductions in Canada on my Canadian cars (43% discount, RoadStar Gold etc). No accidents in 15+yrs.

F**k that. I'm glad this thread was brought up. I'm heading down to Seattle again next week to sort out NEW insurance suggestions.

Suggestions?

thekurgan · 12-03-2010, 05:08 PM

$589/6 months, Geico, 42, good record

Nikki · 12-03-2010, 05:22 PM

I pay around $900/6 months
Age 24
1 incident (70mph in a 55)
$1k deductible
300/300 I think?

Swashplate · 12-03-2010, 06:01 PM

Send me a PM if you want some quotes run. This applies to anyone on here.

Quote:

Originally Posted by johanness

Because of ONE ticket in 2008, I'm paying $230/mo with Progressive (RIP-OFF), despite having the HIGHEST level of deductions in Canada on my Canadian cars (43% discount, RoadStar Gold etc). No accidents in 15+yrs.

F**k that. I'm glad this thread was brought up. I'm heading down to Seattle again next week to sort out NEW insurance suggestions.

Suggestions?

Shereef_Osman · 12-03-2010, 06:49 PM

Do I get a prize for having the worst insurance possible? 1200/month. One 50 over ticket.

pokeybritches · 12-03-2010, 07:00 PM

///M is $625 every 6 months with one incident (hit a rock in the middle of the road). $1000 deductible and no rental car... I have my other Z for that.

dharper · 12-03-2010, 07:11 PM

About $480 every 6 for the Z4 with multi car, house, etc. 40 yrs old.
Monthly is $142 for '03 Z4 and '09 Murano.

Thisisdudewhoru · 12-03-2010, 09:15 PM

1100 every six months.
Best coverage State Farm offers.
50$ deductible.
20 years old.
Good grades. yada
Clean record.
Still under my rents plan though.
It may help some that my aunt is an executive for State farm though.

r4gs · 12-03-2010, 09:22 PM

those who've gotten a ticket, how much did ur insurance premiums go up by and how quickly was the increase reflected? makes it seem even more worthwhile to have an excellent radar detector.

johanness · 12-03-2010, 09:51 PM

^^^ No kidding. ONE ticket and your premiums double. I was told that it stays with you for 3 years too, but that should be confirmed by someone.

12-03-2010, 01:37 PM	#1
Swashplate Major 111 Rep 1,351 Posts Drives: in Anger. Join Date: Sep 2010 Location: Newcastle, WA iTrader: (2) Garage List 2009 Mercedes ML320 ... [0.00] 2013 BMW M5 [0.00] 2007 BMW M Coupe' [0.00]	Average 6 month Insurance Premium I was just curious to see what we all pay for our 6 month premuim. Basic handy info would be, age , driving record and company. Also stating if you have an unusually large or small deductible or amount of coverage. I pay around $1000.00 Age 29 Perfect Driving record and credit. 500 CSL, $10K PIP, UM 300/300 Comp at $250 & Coll at $500 Rental car coverage 50/per day ($25) Gap coverage ($11) I thought this car would be less than my Evo or STI but it's most likely the cost of repair is higher and it is a two door. __________________ Gone (2006 STI, 2008 EVO MR, 1968 Mustang) AFE Intake/Euro Cats/CSL Headers/Sportline CSL/H&R Springs 1217/1815 !!! BOILER UP !!! Last edited by Swashplate; 12-03-2010 at 03:10 PM..
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12-03-2010, 02:23 PM	#2
jumpthewire First Lieutenant 26 Rep 316 Posts Drives: 2007 silver/grey Z4 3.0si Join Date: May 2010 Location: Los Angeles iTrader: (1)	Similar coverage/rate. My annual is 1969. Good driving record/30 yrs old.
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12-03-2010, 02:58 PM	#3
tekmoe Captain 55 Rep 844 Posts Drives: ///M Join Date: Nov 2010 Location: Texas iTrader: (0)	$500 for 6 months. 27 years old, single, excellent credit, no tickets or accidents during the last 3 years. $500 comp/coll. $25k/$50k/$25k liability.
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12-03-2010, 03:00 PM	#4
mousitch Dark Sider 129 Rep 1,779 Posts Drives: 2008 Space Gray Z4MC Join Date: Jan 2010 Location: Missouri iTrader: (11) Garage List 2008 Z4M Coupe [7.50]	300/300 10,000 med 100 comp 500 collision towing $732 annual Gotta love geico........ 41 ok driving record(smashed up the vert mid-summer) __________________ [URL=http://imageshack.us/photo/my-images/153/071jt.jpg/] 2008 Space Grey M Coupe-Euro headers-RPI Scoop-Gruppe M CAI-Eisenmann Race Cans-RE X-pipe-ECU Remap with O2 and EGT delete-H&R Sport springs-Zeck CDV delete-Stock Gloss black powder coated wheels-LED Tekarbon Angel Eyes Project-Michelin Super Sports-Hardwired Uniden R7-H&R front and rear spacers-Alarm module added-stereo amp recoded to vert spec settings
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12-03-2010, 03:05 PM	#5
r4gs Viper Driver 36 Rep 1,311 Posts Drives: F-16 Join Date: Aug 2010 Location: Singapore iTrader: (2)	some pretty good rates here. i'd to get a texas state license in addition to my singapore license in order to get anywhere close to similar rates. 25 years old unverifiable credit/driver's record 30/60/30 comp, coll $1000 deductible uninsured motorist property damage emergency roadside service $795.70 for 6 months on geico
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12-03-2010, 03:05 PM	#6
The HACK Midlife Crises Racing Silent but Deadly Class 1821 Rep 5,337 Posts Drives: 2006 MZ4C, 2021 Tesla Model 3 Join Date: Oct 2007 Location: Welcome to Jamaica have a nice day iTrader: (1)	$680/6mo. __________________ Sitting on a beat-up office chair in front of a 5 year old computer in a basement floor, sipping on stale coffee watching a bunch of meaningless numbers scrolling aimlessly on a dimly lit 19” monitor.
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12-03-2010, 03:09 PM	#7
ANUSTART Captain 35 Rep 956 Posts Drives: Z4 Join Date: Oct 2010 Location: IL iTrader: (0)	My specs are close but I'm 39 and live in Illinois. I'm paying around $425 a year.
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12-03-2010, 03:22 PM	#8
FerRrari First Lieutenant 19 Rep 389 Posts Drives: Catrinel Menghia Join Date: Sep 2010 Location: WA iTrader: (1)	~$160/Month for the MINI and the M for 2 drivers, 28 and 30 years old. __________________ '12 Nero/Rosso 500 Abarth '07 IR/SBL ///M Roadster (GONE), '08 Tornado Red Triumph Daytona (GONE), '09 BRG/Cloth 6MT MINI Cooper S (Spontaneously Combusted), '06 IR/IR ///M3 Convertible 6MT (GONE), '04 JB/CR Z4 2.5i SMG (GONE)
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12-03-2010, 04:12 PM	#10
boydgti First Lieutenant 10 Rep 328 Posts Drives: 2007 z4m Join Date: May 2010 Location: calgary alberta iTrader: (0)	I have collectors insurance here in Canada. U have too get your car appras even 5 years and im allowed 5000km a year plus the car cannt be your DD. Has 2million liab towing ect included. These works great for me and costs only $500 a year
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12-03-2010, 04:24 PM	#12
HaiDef Lieutenant 24 Rep 416 Posts Drives: M240i Join Date: Mar 2010 Location: Houston iTrader: (2)	$540 with progressive. 30 yr old
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12-03-2010, 04:59 PM	#13
johanness Banned 56 Rep 1,739 Posts Drives: 2008 Z4MC Join Date: Aug 2010 Location: Seattle, Vancouver iTrader: (3) Garage List 2008 BMW Z4M COUPE [7.00] 2012 BMW X1 xDrive 28i [9.00]	Because of ONE ticket in 2008, I'm paying $230/mo with Progressive (RIP-OFF), despite having the HIGHEST level of deductions in Canada on my Canadian cars (43% discount, RoadStar Gold etc). No accidents in 15+yrs. F**k that. I'm glad this thread was brought up. I'm heading down to Seattle again next week to sort out NEW insurance suggestions. Suggestions?
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12-03-2010, 05:08 PM	#14
thekurgan Bad Lieutenant 233 Rep 3,517 Posts Drives: E90M3 Join Date: Aug 2007 Location: Sacramento iTrader: (0) Garage List 2008 BMW M3 [0.00]	$589/6 months, Geico, 42, good record __________________ 02 E39M5 \| TiAg/Schwartz \| Tubi Rumore \| Ultimate Ti Pedals \| E60 SSK \| Jim Blanton 3.45 40/100% \| Coby Alcantara \| StrongStrut STB
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12-03-2010, 05:22 PM	#15
Nikki Major General 990 Rep 6,381 Posts Drives: Sepang Z4MC Join Date: Aug 2005 Location: LA iTrader: (9)	I pay around $900/6 months Age 24 1 incident (70mph in a 55) $1k deductible 300/300 I think? __________________ Nikki
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12-03-2010, 06:49 PM	#17
Shereef_Osman Second Lieutenant 16 Rep 232 Posts Drives: 06 Z4MC & 89 325is Join Date: May 2010 Location: Toronto, Ontario iTrader: (6)	Do I get a prize for having the worst insurance possible? 1200/month. One 50 over ticket.
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12-03-2010, 07:00 PM	#18
pokeybritches Colonel 479 Rep 2,782 Posts Drives: ESS/G-Power Z4M, VF Z4, 996tt Join Date: Sep 2009 Location: Los Angeles iTrader: (12) Garage List 2006 BMW Z4M [10.00] 2006 BMW Z4M [8.50] 2003 BMW Z4 3.0i [9.00]	///M is $625 every 6 months with one incident (hit a rock in the middle of the road). $1000 deductible and no rental car... I have my other Z for that.
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12-03-2010, 07:11 PM	#19
dharper BMW CCA Member 29 Rep 90 Posts Drives: '19 BMW X3 30i-'11 BMW 128i Join Date: Oct 2009 Location: Music City area iTrader: (0) Garage List 2016 BMW 328i [0.00] 2011 BMW 128i Cabrio [0.00]	About $480 every 6 for the Z4 with multi car, house, etc. 40 yrs old. Monthly is $142 for '03 Z4 and '09 Murano.
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12-03-2010, 09:15 PM	#20
Thisisdudewhoru Captain 82 Rep 698 Posts Drives: 16 BSM 340i Join Date: Mar 2010 Location: 423 iTrader: (1)	1100 every six months. Best coverage State Farm offers. 50$ deductible. 20 years old. Good grades. yada Clean record. Still under my rents plan though. It may help some that my aunt is an executive for State farm though. __________________ '16 BSM 340i M Sport + Track Pack.:.M Perf Exhaust.:.Polished BBS RS-GT.:.JB4.:.BMS Intake.:.H&R Sport.:.
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12-03-2010, 09:22 PM	#21
r4gs Viper Driver 36 Rep 1,311 Posts Drives: F-16 Join Date: Aug 2010 Location: Singapore iTrader: (2)	those who've gotten a ticket, how much did ur insurance premiums go up by and how quickly was the increase reflected? makes it seem even more worthwhile to have an excellent radar detector.
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12-03-2010, 09:51 PM	#22
johanness Banned 56 Rep 1,739 Posts Drives: 2008 Z4MC Join Date: Aug 2010 Location: Seattle, Vancouver iTrader: (3) Garage List 2008 BMW Z4M COUPE [7.00] 2012 BMW X1 xDrive 28i [9.00]	^^^ No kidding. ONE ticket and your premiums double. I was told that it stays with you for 3 years too, but that should be confirmed by someone.
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