Who do you use for Insurance?

///M KID · 08-19-2013, 10:01 PM

I just got a quote from Geico for only $98 a month....

$300k/$300k with $500 deductible.

Rohardi · 08-19-2013, 10:07 PM

I did a quote for them this afternoon. $148 a month full coverage with a clean driving recored. My current company USAA, quoted me $356 I need to see why USAA is so high. I've been with them forever and have never had a claim...

Spinny02 · 08-19-2013, 10:12 PM

Had USAA for Auto but found that AMICA (also my home insurance) was cheaper. I was very surprised. Made one claim with AMICA and it was the best service i have had to date. They called every few days and the check arrived quick. They even called to tell me what the story was on the other car (i think they do that to make you feel bad.... and should not be so surprised when the rate goes up =(. they tell you how much it cost them to fix it too).

pochesq · 08-19-2013, 10:15 PM

AAA full coverage $250k/$500k with $1k deductible for $150/month.

Powerbeast · 08-19-2013, 11:29 PM

Very good number!

Spinny02 · 08-20-2013, 05:40 PM

Called today to see what AMICA would charge $108 w/500 deductible. (i did not ask because i have the same on all my cars but i think its 250/500. I know i have PIP as well) $98 sounds like a good deal.

johntomferg · 08-20-2013, 05:57 PM

Traveler's

$394 every 6 mos.
BI: 250k/500k
PD: 100k

1K Deductible

pochesq · 08-20-2013, 06:25 PM

Quote:

Originally Posted by johntomferg

Traveler's

$394 every 6 mos.
BI: 250k/500k
PD: 100k

1K Deductible

Cheap! Remember that these numbers are all relative to your location, multi-policy discounts, driving history, etc. I think SoCal drivers pay a little more for insurance even with my clean DMV record.

runningthingz · 08-20-2013, 07:59 PM

Geico
$540 every 6 months = $90/mo.

BI: $300K/$500K
PD: $100K
Uninsured Motorist: $300K/$500K
Comp. Deductible: $500
Collision Deductible: $1K

I have a clean record and am in SoCal.

pochesq · 08-20-2013, 08:23 PM

Quote:

Originally Posted by runningthingz

Geico
$540 every 6 months = $90/mo.

BI: $300K/$500K
PD: $100K
Uninsured Motorist: $300K/$500K
Comp. Deductible: $500
Collision Deductible: $1K

I have a clean record and am in SoCal.

Dayuuuum. Time to talk to my insurance broker. Hahaha

bmwatts · 08-21-2013, 01:16 AM

wow i might be over paying, i have essurance and its 380$ a month, 2 tickets. going 4mph over in a school zone and 12 over at a speed trap...

bmwatts · 08-21-2013, 01:23 AM

just went to geico and got it changed to 156$ a month. pretty big savings

B-1Pilot · 08-21-2013, 10:28 AM

USAA just quoted me $108/month increase to my current premium...

Rohardi · 08-21-2013, 06:01 PM

Quote:

Originally Posted by B-1 Pilot

USAA just quoted me $108/month increase to my current premium...

Yea, USAA doesn't seen as competitive as there were in the past...

johntomferg · 08-21-2013, 06:08 PM

Quote:

Originally Posted by pochesq

Cheap! Remember that these numbers are all relative to your location, multi-policy discounts, driving history, etc. I think SoCal drivers pay a little more for insurance even with my clean DMV record.

Yes - for sure, lots of variance based on other factors:

Multi-car Discount (QX56 on same account)
Homeowner's insurance on same account
New Car discount
Paid in full Discount

No tickets, no accidents at fault or involving injuries for >7 years.
Super high credit rating - but probably par for the course for M5 owners.

leletyM3 · 08-21-2013, 11:09 PM

Quote:

Originally Posted by runningthingz

Geico
$540 every 6 months = $90/mo.

BI: $300K/$500K
PD: $100K
Uninsured Motorist: $300K/$500K
Comp. Deductible: $500
Collision Deductible: $1K

I have a clean record and am in SoCal.

Great price! I use Geico and they have a good service .

rnaidu · 08-24-2013, 10:15 AM

I use Liberty Mutual, and pay $1,137.80 per year, $94.82 a month for BI:250/500K
PD:100K
UM: 250/500K
MP:2K
Comp: $500
Coll: $1000

I do have multi=car discount, new car discount, paid in full, and home coverage.

Tourbillon · 08-24-2013, 01:00 PM

Allstate. Spotless record. $2,200 every 6 months. Time to shop around....

johntomferg · 08-24-2013, 01:08 PM

Quote:

Originally Posted by Tourbillon

Allstate. Spotless record. $2,200 every 6 months. Time to shop around....

Wow-I should say so.

Mac25 · 08-24-2013, 01:22 PM

Allstate $2400yr under my business. No points now but I've had a pretty bad record leading up to last year.

bmellion · 08-24-2013, 01:54 PM

Usaa is the only way to go. Best insurance out there. Bar none.

GOLFFRR · 08-24-2013, 04:12 PM

OP beware of GEICO!! Geico and a lot of those cut rate insurance carries do not repair your car with NEW OEM parts. They instead will replace the parts with a third party part or a used oem part both of which can void your BMW warranty. Geico will give you a lifetime warranty on the parts they supply however it wont be a BMW warranty. Also most dealerships will not install non BMW parts.

I know this bc I had a run in with Geico on one of my cars. I have been with GEICO for a long long time and they would not budge. I ended up paying a ton out of pocket to get that car back to OEM specs.

I went with Farmers and they cover OEM new parts and could not be happier. Its also nice to have a agent so you can just call them personally.

08-19-2013, 10:01 PM	#1
///M KID Private First Class 26 Rep 120 Posts Drives: F10 M5 Join Date: May 2013 Location: Florida iTrader: (0)	Who do you use for Insurance? I just got a quote from Geico for only $98 a month.... $300k/$300k with $500 deductible. __________________ ///M5 Last edited by ///M KID; 08-19-2013 at 10:18 PM..
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08-19-2013, 10:07 PM	#2
Rohardi Lieutenant 19 Rep 505 Posts Drives: 2014 Q50S Hybrid Join Date: Apr 2012 Location: Rhode Island iTrader: (0)	I did a quote for them this afternoon. $148 a month full coverage with a clean driving recored. My current company USAA, quoted me $356 I need to see why USAA is so high. I've been with them forever and have never had a claim...
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08-19-2013, 10:12 PM	#3
Spinny02 Lieutenant Colonel 124 Rep 1,840 Posts Drives: '14 M5 CP Dinan Stage 2 Join Date: Jun 2013 Location: Houston, Tx iTrader: (2) Garage List 2018 Escalade ESV P ... [0.00] 2014 M5 Dinan S1 [0.00]	Had USAA for Auto but found that AMICA (also my home insurance) was cheaper. I was very surprised. Made one claim with AMICA and it was the best service i have had to date. They called every few days and the check arrived quick. They even called to tell me what the story was on the other car (i think they do that to make you feel bad.... and should not be so surprised when the rate goes up =(. they tell you how much it cost them to fix it too).
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08-19-2013, 10:15 PM	#4
pochesq Lieutenant 48 Rep 434 Posts Drives: 2013 M5 Join Date: Feb 2013 Location: Southern California iTrader: (0)	AAA full coverage $250k/$500k with $1k deductible for $150/month. __________________ Current ///M: '13 F10 M5, Sapphire Black, Eisenmann Race Exhaust, CF Delete, H&R Sport Springs, iND Cosmetics, Escort 9500ix hardwired, 21" Vorsteiner VFF-103 w/Michelin PSS, RKP Front Lip, Challenge Rear Diffuser, M Illuminated Door Projectors, and LCI M Performance Black Grills '15 i3 BEV
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08-19-2013, 11:29 PM	#5
Powerbeast Lieutenant General 5407 Rep 10,825 Posts Drives: F80 M3 RarriRot Join Date: Mar 2009 Location: SoCal iTrader: (4)	Very good number!
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08-20-2013, 05:40 PM	#6
Spinny02 Lieutenant Colonel 124 Rep 1,840 Posts Drives: '14 M5 CP Dinan Stage 2 Join Date: Jun 2013 Location: Houston, Tx iTrader: (2) Garage List 2018 Escalade ESV P ... [0.00] 2014 M5 Dinan S1 [0.00]	Called today to see what AMICA would charge $108 w/500 deductible. (i did not ask because i have the same on all my cars but i think its 250/500. I know i have PIP as well) $98 sounds like a good deal.
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08-20-2013, 05:57 PM	#7
johntomferg Captain 120 Rep 852 Posts Drives: Formerly drove a 13 F10 M5 Join Date: May 2012 Location: Columbia, TN iTrader: (1)	Traveler's $394 every 6 mos. BI: 250k/500k PD: 100k 1K Deductible
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08-20-2013, 07:59 PM	#9
runningthingz Second Lieutenant 20 Rep 273 Posts Drives: Frozen White M5 Join Date: Dec 2012 Location: San Diego, CA iTrader: (0)	Geico $540 every 6 months = $90/mo. BI: $300K/$500K PD: $100K Uninsured Motorist: $300K/$500K Comp. Deductible: $500 Collision Deductible: $1K I have a clean record and am in SoCal.
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08-21-2013, 01:16 AM	#11
bmwatts New Member 1 Rep 9 Posts Drives: 2014 BMW M5 Join Date: Aug 2013 Location: United States iTrader: (0)	wow i might be over paying, i have essurance and its 380$ a month, 2 tickets. going 4mph over in a school zone and 12 over at a speed trap...
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08-21-2013, 01:23 AM	#12
bmwatts New Member 1 Rep 9 Posts Drives: 2014 BMW M5 Join Date: Aug 2013 Location: United States iTrader: (0)	just went to geico and got it changed to 156$ a month. pretty big savings
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08-21-2013, 10:28 AM	#13
B-1Pilot Yankee Air Pirate 151 Rep 978 Posts Drives: '14 M5 w/CP Join Date: Aug 2012 Location: In a Hot Place iTrader: (0)	USAA just quoted me $108/month increase to my current premium... __________________ 2020 ///M5 \|\| 2019 540XI \|\| 2014 ///M5 w/CP \|\| My Epic ED trip report\|\| \|\| 2009 BMW R1200RT
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08-24-2013, 10:15 AM	#17
rnaidu New Member 1 Rep 17 Posts Drives: 2013 BMW M5, 2012 Porsche 991 Join Date: Mar 2010 Location: San Jose iTrader: (0)	I use Liberty Mutual, and pay $1,137.80 per year, $94.82 a month for BI:250/500K PD:100K UM: 250/500K MP:2K Comp: $500 Coll: $1000 I do have multi=car discount, new car discount, paid in full, and home coverage.
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08-24-2013, 01:00 PM	#18
Tourbillon Second Lieutenant 24 Rep 232 Posts Drives: '14 S550, '13 4S, '11 E550 Join Date: Mar 2008 Location: USA iTrader: (0)	Allstate. Spotless record. $2,200 every 6 months. Time to shop around....
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08-24-2013, 01:22 PM	#20
Mac25 Private First Class 18 Rep 149 Posts Drives: M5 CS Join Date: Jun 2013 Location: The First State iTrader: (2)	Allstate $2400yr under my business. No points now but I've had a pretty bad record leading up to last year.
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08-24-2013, 01:54 PM	#21
bmellion Captain 142 Rep 674 Posts Drives: 2020 M5 Join Date: Apr 2012 Location: Boca Raton, FL iTrader: (1)	Usaa is the only way to go. Best insurance out there. Bar none. __________________ 2020 BMW M5 2014 BMW M5 Competition Pack, Dinan Stage 2, Full Eisenmann Race, MSR Intake and lots of carbon fiber... 2013 BMW X5M, Dinan Exhaust, Dinan Stage 1, Dinan Suspension (gone) 2013 BMW M6 Eisenmann Race(gone)
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08-24-2013, 04:12 PM	#22
GOLFFRR 10769 Rep 27,578 Posts Drives: GOLFFRR cart Join Date: Mar 2009 Location: we sell BMWs to "ALL" US states iTrader: (4)	OP beware of GEICO!! Geico and a lot of those cut rate insurance carries do not repair your car with NEW OEM parts. They instead will replace the parts with a third party part or a used oem part both of which can void your BMW warranty. Geico will give you a lifetime warranty on the parts they supply however it wont be a BMW warranty. Also most dealerships will not install non BMW parts. I know this bc I had a run in with Geico on one of my cars. I have been with GEICO for a long long time and they would not budge. I ended up paying a ton out of pocket to get that car back to OEM specs. I went with Farmers and they cover OEM new parts and could not be happier. Its also nice to have a agent so you can just call them personally. __________________ BEFORE YOU BUY YOUR NEXT BMW, EMAIL OUR GUY KOTE FIRST! Kote M Sales:Kotem@bmwofcamarillo.com Cell:805-368-9101 vipfinance@bmwofcamarillo.com for warranties!
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