How much is your insurance premium for your new C-class?
I just ordered my C300 Sport 4matic last week and got insurance quote today. Mine is $823/6mo. with 50/100k liability and 500 deductible. It's kinda high. I'm paying about same money for $60k M3 convertible!
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I have not yet received detailed pricing from my insurance agent. He simply added it to my existing policy. However he said it should be around $800/6mos
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I am paying $375 (for just me) per 6 months with $100/$300 liability, $100/$300 uninsured, $10K medical, $25 rental and $500 deductable. It actually went up with the C350 by $25 from an X5.
My record has been pretty clean for quite some time though. At one time I was paying almost 1000 per 6 months on an M3 (5 yrs ago). |
I will be paying $450/6 mos for full coverage. I believe with $500 deductible as well.
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I think posting your ages would help. This could help us to understand why some prices are higher than others.
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Originally Posted by pmb600
(Post 2419475)
I think posting your ages would help. This could help us to understand why some prices are higher than others.
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They want $600 a month for premo insurance for me. I'm 21. Thats just nuts.
I'll probably go with the middle of the road insurance $1200+ for 6 months. Thats more do-able. |
Originally Posted by Peyton
(Post 2419824)
They want $600 a month for premo insurance for me. I'm 21. Thats just nuts.
I'll probably go with the middle of the road insurance $1200+ for 6 months. Thats more do-able. |
I have had many tickets :( That would explain it. DON'T SPEED!
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I'm paying $420 every 6 months and I'm 23. Funny thing is I have had 3 speeding tickets in the past 3 years. I'm confused on why my rate is low compared to others. I have full coverage, $500 deductible.
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location has a lot to do with it also.
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I'm 32, married, clean record. 2 cars on the policy. Our C300 is about $530/6 months. 250K/500K/500/500.
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Originally Posted by choi
(Post 2419168)
I just ordered my C300 Sport 4matic last week and got insurance quote today. Mine is $823/6mo. with 50/100k liability and 500 deductible. It's kinda high. I'm paying about same money for $60k M3 convertible!
You sign autography to cop every :)month ? Spend $400 for a V1 unit, that would same you some penny down the road |
Reconsider your inssurance company. Mutual liberty gives me very good rates much better than Geico, or Progressive. Something like $400 for 6 months sounds reasonable.
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I have Adirondack on my current C-class. Last major speeding ticket was about 3 1/2 years ago for 86 in a 55 which should no longer be chargeable. Paying $999 for a 12 month policy with 250/500 BI, 250/500 SUM, $10k Medical, $25k OBEL, $1500 max rental coverage with an added endorsement that I receive a comparable vehicle to what I drive, $500 comp and collision deductibles. Had a quote from Geico for $586 every six months but I hate Geico and had a friend and family member screwed over pretty badly by their ridiculous payouts. I'd check out Adirondack if they are available in your state. Great company, part of One Beacon. 29 years old.
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853 for 6 months with gayco
is that high? I am 23 with no tickets ever... body 100K/300K property 50K uninsured/underinsured 50K/100K comprehensive $250 deductible collision $500 deductible how do you guys get it for $1000 a year??? |
Guys, I am in insurance, there are too many factors affecting your premium, the most important factor is where you live.
In NYC and in LI it could be 50% difference everything being equal. it only makes sense when your comparing within the same ZIP code. If you move from NJ to Brooklyn, your premium would probably go up 2x. In NJ, different towns vary HUGE. |
mine will be $660/6 months, $500 deductible
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I am also in insurance as in 30 years with several state insurance departments. You must also include your "insurance score" when you are talking insurance premiums. This score is based mostly on credit score but also includes factors which have nothing to do with anything, i.e., if you shopped for your car loan, how long have you been on your job? How long have you lived at the same address? Think, the last time you got a quote for insurance, one of the first questions they ask is "what is your SSN". So, while tickets and accidents and type of vehicle, etc. are used by insurers, they all take a backseat to your insurance score.
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I have a perfect record, am in my 40s, and was shocked to find out that my C350 will carry a premium higher than the 2004 BMW Z4 3.0i it replaced. A convertible sports car that had a sticker price about $8K more than my C350 had a lower premium than a slower, 4-door sedan? I don't understand insurance.
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Is there any way for a private individual to find out what their insurance score is?
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Originally Posted by stephensong
(Post 2478455)
I am also in insurance as in 30 years with several state insurance departments. You must also include your "insurance score" when you are talking insurance premiums. This score is based mostly on credit score but also includes factors which have nothing to do with anything, i.e., if you shopped for your car loan, how long have you been on your job? How long have you lived at the same address? Think, the last time you got a quote for insurance, one of the first questions they ask is "what is your SSN". So, while tickets and accidents and type of vehicle, etc. are used by insurers, they all take a backseat to your insurance score.
I tried 3 different online quotes from liberty mutual, geico and progressive and they were all within $100 of each other... |
Originally Posted by Kieffer
(Post 2478522)
I have a perfect record, am in my 40s, and was shocked to find out that my C350 will carry a premium higher than the 2004 BMW Z4 3.0i it replaced. A convertible sports car that had a sticker price about $8K more than my C350 had a lower premium than a slower, 4-door sedan? I don't understand insurance.
that is a big factor in your cars rating it receives |
Originally Posted by rb23lb
(Post 2478685)
I know why... your z4 had less computers and expensive electronics to fix...
that is a big factor in your cars rating it receives Maybe the fact that it spent so much time in the shop and, therefore, never in on the road had something to do with it, too? Those insurance companies seem to know everything these days! :) |
Originally Posted by Kieffer
(Post 2478522)
I have a perfect record, am in my 40s, and was shocked to find out that my C350 will carry a premium higher than the 2004 BMW Z4 3.0i it replaced. A convertible sports car that had a sticker price about $8K more than my C350 had a lower premium than a slower, 4-door sedan? I don't understand insurance.
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