don w

I live In NY and my insurance went up $160 for 6 months coming from a 2014 BMW 4 series coupe (sticker $55,600) to a 2016 C300 sedan (sticker $52,090)

I would think the C300 should be the same or less being it's a sedan that stickers for less then the BMW coupe. Also no other parameters have changed, same address, no tickets, etc.. This is only the car, no second auto, no home, which was the same as the BMW.

What are other people paying in NY?

fabbrisd1

Well... sounds like good timing to check prices on the web for other carriers for lower rates... like it's not the 1st time a insurance company raised rates 3yrs down the road for a existing customer on their new car... or do you think you're the 1st ?

Mike5215

A car insurance company is actually a collection of companies, with some handling low risk (preferred or ultra preferred) drivers, some handling the sub prime drivers, some in the middle.

Carriers are always evaluating whether they have everybody slotted correctly. Sometimes they change their underwriting guidelines to reapportion risk. So a driver who may have been in ultra preferred now finds himself, through no fault of his own, in preferred or even standard.

The carriers understand that they'll lose some insureds in the process. That may have happened in your case. Or, the repair incidence and cost history on the Benz are higher than the BMW.

Most carriers let you test quote replacing one car with another to see the impact on premium before you buy the new car. At this point go to Progressive.com and use their quote tool. It'll give you their rate and the rates of the other major carriers. Might find a better deal.

SoDakBenz

I'm with farmers insurance and pay 74$ a month with perfect record and I'm 36 married no kids and 800+ credit score. These are all factors they use. I was with state farm nothing bad to say about them but I was paying 92$ a month same info as above. And b4 that was with American family. They are awesome at getting things handled when they arise but at $141 a month I mean come on what a joke. Moral of the story shop around it will pay off.
Also I have 2015 c300

topsider

GEICO
$105/month
Metro-Boston area
24 y/o
No tickets or points on license
819 credit score

P.S. Got my car in NY, although I initially registered and insured it in Delray Beach, FL and price was 190/month, even though was "garage kept" in a gated community, etc. Chalk it up to old terrible drivers in FL? Was shocked that my quote for MA insurance was so much lower. Also, when I shopped around recently after an accident this past fall, all other companies were quoting me around $225/month.

A few years back in college in upstate NY, I had a GTI and my monthly insurance rate was only $50 less than the lease payment ($300 and $350, respectively) so I certainly won't complain about my current rate!

fabbrisd1

Liberty Mutual gives me a very decent rate on my multi-MB posse - the MB "Liberty deal" assure any repairs down the road can be quoted/covered with MB OEM parts - (877) 309-8673

removedCFGaccount

Snake Farm, the absolute lowest form of life on the planet.

tamkhan

Geico
Paying $120/month for 2 cars. 2016 c300 and 2007 bmw sport coupe
No accident or speeding tickets.

Mike5215

Let's see. 5 cars on the policy. One 23 year old driver, one 21, my wife and myself. A new Audi Q7, the Mercedes, a VW CC, a Scion FRS, a new Mazda 3 for my daughter to practice on now and drive in October (she's not on the policy yet). $250,000/$500,000 BI, $100,000 PD, $250,000/$500,000 UM Stacking x 5, runs me around $800 a month. Young drivers + a few expensive cars + high limits. One at fault accident on the CC a few years back. No tickets otherwise.

Gungaslow

I don't have insurance.. no need if you don't plan on getting in accidents.. I just make my own plates at my machine shop.

Mike5215

Man, I really miss weed.

davidjohnbamber

Come on out to Oregon.

auditoamg

And, by machine shop you mean prison?

dieseldoc

Insure a 16 GLC 300, 14 c250 15 A3 11 Jetta. There is my wife and I as well as a 22 year old and a 19 year old. 19 year old totaled a Jetta last year. No tickets. 800+ credit score. Cost me 8600.00 year with State Farm

auditoamg

Too f'in much....

netboy

2016 c450 AMG with AAA
Bodily Injury 500,000/500,000
Property Damage 100,000

2400$ a year

RichardCranium3

2017 C43 AMG and 2012 Land Rover LR2
$250k/$500k bodily
$100k property
$500 deductible
My wife and I are 30 and 31, 800+ credit scores, no tickets
$940/year through Esurance

dieseldoc

I agree.. that's what happens when you have young adults on your insurance, one of them totaled a car and you live in a metro area with lots of uninsured motorists

auditoamg

Vegas? Cause that's where I am, and it sucks...

MASSC450

$1,377 per year for both my 2016 C450 and my wife's 2017 Jaguar R-Sport 35t AWD through Travelers Insurance.

Best state driver's ratings for both of us (knock on wood!), and we both have 800+ credit ratings

Bundled with our home insurance

$1,000 deductibles on collision (w/waiver of deductible) & comprehensive...both vehicles are paid for

100,000/300,000 coverage for the rest

dieseldoc

Dallas/Fort Worth

NYbenzzz

36, single no kids in NY.

currently have 9 points on license for 3 prior speeding ticket convictions dating from the last one which was in 2011. no violations since.

$238 a month full cover with geico.

progressive quoted me $370 due to speeding ticket records.

All state quoted me $388

just waiting until end of this year when the records should hopefully vanish.

All in all, i got 7 speeding ticket convictions in the last 10 years. this was a conbination of a tuned nissan maxima, a midly tuned g35 and a 2000 cobra svt.

No more speeding for me, i keep it under 80 now.

cost of insurance is main reason i did not get a porsche cayman, jaguar f type or bmw m4.

Mr. J

It's legal in lots of places now

The sad part is, I used to love it when I was a kid but now it disagrees with me

l3gendary

I pay $600 for every 6 months statefarm