[blackhawkk22]

Originally Posted by MrSteak

That's what I'm doing (thanks to all your advice).

Already switched carriers.... just getting this done and letting my Geico policy end.

FYI, if you cancel your current policy, by law you'll get the pro-rated amount for whatever is left on your policy. If possible, try to buy coverage 30 days ahead of time - you might get up to 10% off for many carriers.

[Dark_Knight_335]

Very strange... do you have an unusually high amount of infractions or something?

They've always taken great care of me over the eight years I've been with them.

[Game]

Originally Posted by Dark_Knight_335

Very strange... do you have an unusually high amount of infractions or something?

They've always taken great care of me over the eight years I've been with them.

Same, I've been very happy with Geico.

$410 for 6 months too. (29 and pretty clean record)

[hassmaschine]

Geico is crap. Even if they were cheaper (they aren't), the service isn't going to be good on a cut-rate policy.

Man, I think my insurance for 3 cars is only $1200 a year and that's me and my wife with full coverage + maxed out liabilities & damage coverage (I've been sued before, you do NOT want the minimum coverage!).

[Dark_Knight_335]

Originally Posted by Delta0311

HOLY SHIT!! Damn dude what do you catch DWIs every other week? That is an insane price for insurance.

Sorry man, I LOLed....OMG man, I'm DYIN!!!

[Welcome to NBA Jam]

Why on earth are you paying that much for insurance?

[John 070]

Originally Posted by hassmaschine

Geico is crap. Even if they were cheaper (they aren't), the service isn't going to be good on a cut-rate policy.

Man, I think my insurance for 3 cars is only $1200 a year and that's me and my wife with full coverage + maxed out liabilities & damage coverage (I've been sued before, you do NOT want the minimum coverage!).

They're not even cheaper....I had a perfect record, got in an accident with a BMW loaner (thank goodness it wasn't my own since Geico specified used and aftermarket on a brand new car). I switched from the lizard to the hands co., and WITH THE ACCIDENT ON MY RECORD THE RATES WERE LOWER. Go figure. Then when the accident came off, it went down even more.

I just don't get how I got ripped off by the lizard and AIG all those years. Though I admit when I got the 335i, the annual was like $690? wtf. It's more than that today.

[Cory S]

Come on people. Don't you guys know that up to 80% of your insurance premiums are based off credit score now? Many time people pay a higher premium than DUI offenders because of lower credit scores. OP has shit credit. Based off his age, and what he said for a driving record, it's the top denominator. My brother is 31, lives in BROOKLYN NY, and pays $1190.00 a year through Geico on his 2013 335. His FICO sits at around 780-790.

I insure 4 vehicles through Geico. $1800 per year, THREE with FULL coverage. FICO scores in the 770 range between all three bureaus.

7 YEARS ago, I was still rebuilding credit from a divorce, and I had FICO's in the 580-610 range. My insurance premium was FOUR times higher for similar coverage/policies on only 2 vehicles at the time.

Here's a great article you should all read...

http://blog.credit.com/2015/08/bad-c...-a-dwi-122212/

[JJaber]

Here I was complaining about spending $1,000 year on insurance @ 27...From my experience, getting them to use OEM parts is a nightmare but it can be done.

Also, I'd shop around. Geico was EXTREMELY expensive for me - ended up going with Liberty Mutal.

[city1991]

Originally Posted by 1QuikWS6

With Nationwide I have towing as you do & insurance will tow my car anywhere I want regardless, as long as under 100mi

My glass breakage under nationwide can have a different deductible than rest of car - I have it set @ $25 so that's the most I will ever pay, & I also have the 'Replace with ONLY BMW OEM parts' rider which ensures they must use OEM everything

and I also agree $3200/yr is off the planet, I can insure my (4) cars for yrs for that amount

Course I am 55 yr old, married, safe driver/no accidents ever, multi car discount, etc. & been with Nationwide since I was 16...

Nationwide will pay for OEM parts? Damn I need to check that out!

[eurodouche]

I'm 20 and my insurance is only $90 a month full coverage 100/100/300. All I know is it should cover any damage ?

[MrSteak]

Originally Posted by blackhawkk22

FYI, if you cancel your current policy, by law you'll get the pro-rated amount for whatever is left on your policy. If possible, try to buy coverage 30 days ahead of time - you might get up to 10% off for many carriers.

I pay monthly for my current policy, and my next payment is due next week... Just going to let it run out.

I already switched to Progressive for HALF the cost (same coverage). Just making sure to get my windshield replaced before I leave Geico.

Originally Posted by Dark_Knight_335

Very strange... do you have an unusually high amount of infractions or something?

They've always taken great care of me over the eight years I've been with them.

Nope.

Had one accident 14 years ago (someone hit me); but I was under my parent's insurance. Afterwards, I had a 350Z, and my 335i under Geico for about 10 years now.

1 ticket
1 mechanical breakdown insurance claim
1 glass claim (yesterday)

This is over the course of 10 years..... at $3k+ a year.

[galahad05]

Have you shopped around?

One thing that many (all?) insurance companies will do and never admit to is they take advantage of the boiling frog effect.

They sloooowly raise your rates over time, but only if their internal algorithms say that you're one of those people who will stick with them almost no matter what. Doing it slowly just increases the odds that you'll just be a good little customer and take it.

I'm sure that there's some official name out there on the web for this kind of thing, but I don't know it; hence "boiling frog".

[Cory S]

Originally Posted by galahad05

Have you shopped around?

One thing that many (all?) insurance companies will do and never admit to is they take advantage of the boiling frog effect.

They sloooowly raise your rates over time, but only if their internal algorithms say that you're one of those people who will stick with them almost no matter what. Doing it slowly just increases the odds that you'll just be a good little customer and take it.

I'm sure that there's some official name out there on the web for this kind of thing, but I don't know it; hence "boiling frog".

This is true. It is also wise to shop insurance every 3 years, no matter how well you like your insurance provider.

[BruceJ]

Originally Posted by MrSteak

Sucks to be a single guy in an expensive zip code, with a nice car.

Now that mechanical breakdown insurance is done, I'll be switching to another carrier for less (eSurance, Progressive, Travelers, Ameriprise, Erie, etc.).

Young single guy/ nice car... translation... insurance ax murderer. Sucks to be you, unless of course you have that nice car cause you can afford it, in which case.......enjoy the youth, the rest of us would pay a bunch to be young, and, successful.

[John 070]

Originally Posted by eurodouche

I'm 20 and my insurance is only $90 a month full coverage 100/100/300. All I know is it should cover any damage ?

Are your numbers out of order? Ours is 100/300/100.

[eurodouche]

Originally Posted by John 070

Are your numbers out of order? Ours is 100/300/100.

I put mine I the wrong order

[krhodes1]

Originally Posted by BravoJohny33

No insurance companies offer OEM replacement besides a few and at extra cost. This is pretty normal and like other people have said you have to fight for OEM parts for any claim. If you crashed your car they would use aftermarket and junk yard parts to repair it. That is just the way it is.

That depends entirely on where you live. In my state, it is completely up to me what parts get used, and where the car gets fixed. The insurance company can try to incentivize me to go with their choice of shop/part (typically with "lifetime warranty" crap), but I can insist on whatever I want, up to the point that the added cost totals the car anyway. BTDT with my poor 9-3SC that got hit front and rear in the space of a week and a half.

[MrSteak]

Originally Posted by galahad05

Have you shopped around?

One thing that many (all?) insurance companies will do and never admit to is they take advantage of the boiling frog effect.

They sloooowly raise your rates over time, but only if their internal algorithms say that you're one of those people who will stick with them almost no matter what. Doing it slowly just increases the odds that you'll just be a good little customer and take it.

I'm sure that there's some official name out there on the web for this kind of thing, but I don't know it; hence "boiling frog".

I already switched to Progressive for 1/2 of what I was paying with geico. Only stuck w/ geico for their mechanical breakdown insurance because I couldn't get that if I switched carriers (only applies to new cars).

Originally Posted by BruceJ

Young single guy/ nice car... translation... insurance ax murderer. Sucks to be you, unless of course you have that nice car cause you can afford it, in which case.......enjoy the youth, the rest of us would pay a bunch to be young, and, successful.

I'm a miserable prick, and not that young (30's)....

While I can afford my car, I'm doing it at the expense of other things because prioritize cars & driving over other things. They are among the very few things in life that I enjoy. While it does suck to be me; having a car I love and the freedom to drive it anywhere is one hell of a silver lining.

[MrSteak]

UPDATE

Spoke to Safelite and had them "order" a Pilkington OE replacement windshield.

When I show up for mt appointment, I have a micrometer to test the thickness of the glass, and a piece of white paper to see if there's any sort of green/blue tint to make sure it's "like and kind quality".


They show me the replacement glass, and......... it's Fuyao! Apparently someone at the warehouse sent that instead. Not what we agreed on, so I left. Waiting on a Pilkington or Saint Gobain replacement.

[Cory S]

I've never seen more people so damn anal about a damn windshield... It's a piece of safety glass FFS.... If it's installed correctly, there's nothing to FKN worry about. Geez....

[John 070]

Originally Posted by Cory S

I've never seen more people so damn anal about a damn windshield... It's a piece of safety glass FFS.... If it's installed correctly, there's nothing to FKN worry about. Geez....

I noticed that on my Saint Gobain Sekurit with the BMW logo, the M in BMW was a little faint compared to the B and the W. You bet I went back and had them put one in with a nicer roundel, and had the manager sign a paper stating it would not fade within 84 mos.