Cheap insurance for young ///M3 drivers

///M3Turk · Sat, Dec-26-2009, 05:06:23 PM

Hey guys, I need your opinions.
My family is moving back to overseas. Im staying in the United States to complete my education. Im 19 and My car was registered on my dad's name due to expensive insurance and etc.

So i will have to register the car on my name and get it insured.

I recently got a ticket.(2 points on my license;careless driving).

My buddy told me that i better not take the driving course to lower the points because the insurance will know that ive received the ticket anyway. So, he thinks the insurance won't be low at all.

Should i take the driving course to get rid of the 2 points on my license?

Anyways, what insurance company do you guys suggest? How much do you guys pay?

I was not a part-time driver on the policy either.

Thank you.

JerseyShoreM3 · Sat, Dec-26-2009, 05:18:33 PM

Keep in mind that we live in the mostly densely populated state, which is part of the reason our car insurance rates in NJ are ridiculous. I have the Allstate Platinum Protection Package. The policy is in my name w/ no other vehicles, I'm 29, haven't had a ticket in 8+yrs (knock on wood) and I pay $212 a month. That is very reasonable, to me, compared to what I used to pay when I had to be on the state insurance plan

As far as the driving course, it certainly wouldn't hurt regardless if it lowers your insurance.

///M Dream · Sat, Dec-26-2009, 05:21:02 PM

With your age and ticket and state location, i believe you are looking at around 300 or more a month.

kmfurdm · Sat, Dec-26-2009, 05:33:09 PM

Quote:

Originally Posted by ///M Dream

With your age and ticket and state location, i believe you are looking at around 300 or more a month.

Easily. 300 is probably on the low end.

JerseyShoreM3 · Sat, Dec-26-2009, 05:34:01 PM

Quote:

Originally Posted by ///M Dream

With your age and ticket and state location, i believe you are looking at around 300 or more a month.

Quote:

Originally Posted by kmfurdm

Easily. 300 is probably on the low end.

Without a doubt more than $300.

nitro3421 · Sat, Dec-26-2009, 05:53:34 PM

It's unlikely you'll be able to remove a point from your record unless it was recent. Also, you usually wave your right to traffic school when you pay the ticket outright, but this varies state to state. You're probably looking at $4000+/year depending on which insurance company you go with.

ayo · Sat, Dec-26-2009, 05:56:52 PM

Move to a different state.

**vw2bmwguy** · Sat, Dec-26-2009, 06:07:42 PM

come to PA.. 1500 p/yr w full coverage.

///M3Turk · Sat, Dec-26-2009, 06:28:24 PM

Thanks for the opinions guys! That's way too much

Quote:

Originally Posted by vw2bmwguy

come to PA.. 1500 p/yr w full coverage.

find me a house that I can "move" to. I'll pay you lol

BTW, IM NOT LOOKING FOR FULL COVERAGE!

enigmaticdream · Sat, Dec-26-2009, 06:52:56 PM

If you can get it, USAA. They are crazy cheap and great. Only problem is a member of your family has to have served in the US Military, Air Force, etc.

I'm paying ~800 a year for two cars up from about 750 when I just had the M3 with full coverage. I'm 24 with no accidents or tickets.

Sat, Dec-26-2009, 05:06:23 PM	#1
///M3Turk Registered User Join Date: Oct 2007 Posts: 988 Reputation: 0 Location: Wayne, NJ	Cheap insurance for young ///M3 drivers Hey guys, I need your opinions. My family is moving back to overseas. Im staying in the United States to complete my education. Im 19 and My car was registered on my dad's name due to expensive insurance and etc. So i will have to register the car on my name and get it insured. I recently got a ticket.(2 points on my license;careless driving). My buddy told me that i better not take the driving course to lower the points because the insurance will know that ive received the ticket anyway. So, he thinks the insurance won't be low at all. Should i take the driving course to get rid of the 2 points on my license? Anyways, what insurance company do you guys suggest? How much do you guys pay? I was not a part-time driver on the policy either. Thank you. __________________ Firat FS: LTW FLAG KIT E36 E46 FITMENT http://www.m3forum.net/m3forum/showt...t=ltw+flag+kit

Sat, Dec-26-2009, 05:21:02 PM	#3
///M Dream Four Rings Join Date: Feb 2009 Posts: 2,318 Reputation: 0 Location: Phoenix	With your age and ticket and state location, i believe you are looking at around 300 or more a month. __________________ 2010 Audi S4- Garage Queen 2000 Audi S4- Daily Driver 2008 BMW M3- Sold 2005 BMW M3- Sold

Sat, Dec-26-2009, 05:53:34 PM	#6
nitro3421 Registered User Join Date: Dec 2008 Posts: 1,137 Reputation: 0 Location: California	It's unlikely you'll be able to remove a point from your record unless it was recent. Also, you usually wave your right to traffic school when you pay the ticket outright, but this varies state to state. You're probably looking at $4000+/year depending on which insurance company you go with. __________________ -2001 BMW M3 - CB/6MT -2000 Ford F250 7.3 Powerstroke Diesel -1995 M3 - sold -1988 FJ62 Land Cruiser - sold -1972 Chevelle - sold -1996 328i - sold -2002 330i - sold -2001 Tiag M3 - sold

Sat, Dec-26-2009, 05:56:52 PM	#7
ayo Relax. Join Date: Oct 2009 Posts: 274 Reputation: 0 Location: In the lab...	Move to a different state. __________________

Sat, Dec-26-2009, 06:52:56 PM	#10
enigmaticdream Registered User Join Date: Oct 2009 Age: 27 Posts: 1,091 In the garage: '87 BMW 325 Reputation: 0	If you can get it, USAA. They are crazy cheap and great. Only problem is a member of your family has to have served in the US Military, Air Force, etc. I'm paying ~800 a year for two cars up from about 750 when I just had the M3 with full coverage. I'm 24 with no accidents or tickets. __________________ 1987 325is Delphin/Black (Olga) - ~180-190k - 144rwhp/145rwtq Current Mods: No AC, Strömung exhaust, BWSport TrackCABs, E.A.T chip + 19lb injectors, Z4 3.0 SSK, ACT LS 16x7.5 wheels, Bilstein Sport shocks/H&R race springs. Future Mods: 5 lug swap 1988 M3 Zinno/Natur (Elsa) - 138k original Current Mods: Raven mid-pipe and exhaust. -Keep it NA

Sat, Dec-26-2009, 05:18:33 PM	#2
JerseyShoreM3 Lets just slap an ///M badge on everything.... Join Date: Jun 2007 Posts: 2,873 In the garage: '05 BMW M3 Reputation: 0	Keep in mind that we live in the mostly densely populated state, which is part of the reason our car insurance rates in NJ are ridiculous. I have the Allstate Platinum Protection Package. The policy is in my name w/ no other vehicles, I'm 29, haven't had a ticket in 8+yrs (knock on wood) and I pay $212 a month. That is very reasonable, to me, compared to what I used to pay when I had to be on the state insurance plan As far as the driving course, it certainly wouldn't hurt regardless if it lowers your insurance.

Sat, Dec-26-2009, 06:07:42 PM	#8
vw2bmwguy Banned Join Date: May 2009 Posts: 247 Reputation: 0	come to PA.. 1500 p/yr w full coverage.

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