Who is insuring your precious e30??

[VinniE30]

I didn't feel I needed to. Your suggesting put the money you would spend on insurance in a bank account for a rainy day. Well, when it rains it pours. Have fun with 100k+ medical bills or even a simple fender bender. If you have any assets have fun making them liabilities, and if you have a job, your now putting it at risk for garnishing. Ask the guy who totalled my car- he pays me a substantial amount each month for the next 8 months because he didn't have insurance. Not something I would want to go through.

I was referring to collision coverage as in coverage for when the other driver is at fault.
And if you cause an accident you will end up paying all that money back to the insurance company anyway, plus even more over time, with the increase in your rates. It's a numbers game and they have it figured out; they will always win, they're a business only concerned with making money. When there's people gaining money there are always people loosing money and vice versa.

[Rsully70sev]

Your post was the dumbest thing I've ever read. You make no counterargument whatsoever.

I didn't feel I needed to. Your suggesting put the money you would spend on insurance in a bank account for a rainy day. Well, when it rains it pours. Have fun with 100k+ medical bills or even a simple fender bender. If you have any assets have fun making them liabilities, and if you have a job, your now putting it at risk for garnishing. Ask the guy who totalled my car- he pays me a substantial amount each month for the next 8 months because he didn't have insurance. Not something I would want to go through.

[Cliche Guevara]

Allstate, full coverage
20, male, no tickets or at fault accidents
$150/month

Should go down a bit in a couple weeks when I turn 21.


I'm pretty happy with how Allstate handled a total on my first E21, which had already been totalled twice but completely restored after the second time. Their initial offer was just $2,000, but after I pleaded my case they sent over someone to appraise it (at no cost to me) and ended up giving me just under $3,000 for it.

[peytonracer4]

I have Statefarm. We have about 8 cars under the policy. I am one of the youngest drivers and I pay around $288/6 months.

Edit: I am 17, no tickets or accidents yet. (knock on wood)

WTF?! i'm 19. we have 8 cars 2 bikes a trailer and our house under state farm.
i have only liability on my e30 and i pay $102 a month. what the hell

[ohthejosh]

BTW does anyone know how to check their driving record for free? I dont wanna pay the DMV for them to snail mail me something they could just say in 3 seconds.

[BlackbirdM3]

I'm 34, no accidents, no tickets, 2 cars and mine is about $1400 per year. My issue is that I don't hit people, I get taken out and then get screwed by other people. The whole insurance thing is rigged so that they make the most money out of your loss as possible no matter if you were at fault or not. :hitler: I've been hit 4 times, not once was I actually moving, the first time I was rear ended while stopped on the freeway in a construction zone and the guy smeared me. He drove off, my work trunk had to be towed home. The 2nd time, I had just backed out of a parking spot and was shifting from reverse to 1st when some lady didn't bother to look behind her and just slammed it in reverse again nailing me. Three weeks later while driving the same car I got taken out in a hit and run while sitting at a stop sign behind the limit line while trying to make a left turn on a busy street. Some stupid kid stole mommies car and went joy riding. Of course, no license, no insurance (parents didn't have any either) and he was 15. Did $10K worth of damage to my car and he drove off. Luckily a lady saw the whole thing and followed him down the street to where they parked the car. They were arrested shortly there after. I had to fight with my insurance to get the car fixed. I got lucky there. The last time was when my Alfa was killed. The dumb ass failed to notice the bright red car with its left turn signal on waiting for passing traffic to clear in order to make a left turn. He chose to stop his Nissan Frontier with the back of my car.:down: His insurance was Esurance and they moved immediately to total the car without even looking at it or doing any research. I told them to F-off and opened a claim with mine only to get the run around and ultimately screwed by them after proving their appraiser was a sham and a crook. They then turned around and added insult to injury by slapping me with a $2000 "Salvage Reassesment fee" THis is after I had already bought the car back and sold it. All I can say is that AAA are a bunch of crooks and they all should suffer the same misery that I went through.

I went with Farmers because they offer an agreed value policy so the next time I get taken out (and it will happen with the poor excuse for drivers in this area) I at least have a fighting chance at getting my car fixed.

Will

[Simon S]

Progressive
$145/6mo for a comprehensive policy while it's in storage. (they wouldn't allow for 'storage' insurace since it's my only vehicle) May look into full coverage come spring time..
38/single/clean rekkid

[long tall eta]

new jersey manufacturers. 1500 a year for full coverage on the van and liability and comprehensive on the e30. need a clean record and proof of continuis coverage for 3 years. also need youre employeer to be on their list of acceptable employeers. also get back a dividend check every year. great co but need access code to apply.

[M-technik-3]

Haggerty's for E30 M3's and USAA for all others.

[woodisgood]

State farm home and three cars $90.

[Herr Faust Schinken]

AAA
18
No accidents
800$ a year

[VinniE30]

That was the dumbest thing I ever read Vinni.

Your post was the dumbest thing I've ever read. You make no counterargument whatsoever.

[e30vert]

State Farm - Home, 6 vehicles insured - varying coverage on vehicles - $ 65 a month. Im > 45 with good driving record and no claims.



Have a friend of the family that is an older woman and she bumped a guy backing out of a Target parking lot where there were blind corners , etc. It was an older man that was hit and she got sued for 175 K. They were going to take her house to pay the bills before she got a friend who is a lawyer involved with her insurance companies lawyers. Now they are going to duke it out with the older mans lawyer.

So as stated 3 K for an e30 no matter how precious to the owner is nothing when it comes to medical costs.

[nando]

That was the dumbest thing I ever read Vinni. And isn't there a statue of limitations Nando? I believe in California it's two or three years.

yes, it's 3 years. they filed suit like a week before it expired.

[Rsully70sev]

That was the dumbest thing I ever read Vinni. And isn't there a statue of limitations Nando? I believe in California it's two or three years.