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08-17-2024, 07:38 AM | #23 | |
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Going from zero history to the M4 is a red flag.
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eugenebmw2084.00 |
08-17-2024, 09:29 AM | #24 |
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Agree with those saying you have to get some insurance history of your own. Buy a beater or have the car you are currently driving taken out of your fathers name and insure it yourself for the next 6 months or so. And then try again then. Maybe consider getting an older F82 also and get the G82 later on. Gotta pay to play sometimes. If you are able to comfortably afford the $1k a month then screw it- go for it. Premium will come down eventually with you getting older and not filing any claims.
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08-17-2024, 09:35 AM | #25 |
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I am not an underwriter for auto insurance company….I would suspect the liability is driving a significant portion of the premium. Not sure how much vehicle choice amplify’s that or not. I am sure there is a correlation between a high performance car and a civic but would be interested to learn by how much.
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M3insf75.00 |
08-17-2024, 10:00 AM | #26 | |
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DrVenture1166.00 |
08-17-2024, 11:23 AM | #27 |
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Saw he updated this thread and it’s for a G82. They should be paying HIM $1k a month to drive that thing.
Get an F82 CS. If you have to light money on fire and it just has to be new, a black G87. |
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Kaizer84119.00 |
08-17-2024, 11:59 AM | #28 | |
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08-17-2024, 12:02 PM | #29 |
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My son was hellbent on moving to NYC when he was about 25. After I explained all the hidden and not-so-hidden costs, he adjusted his thinking. There is a reason so many choose public transportation in that environment. And that wages are higher.
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Kaizer84119.00 |
08-17-2024, 01:07 PM | #30 |
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It is not much better in Vancouver. The cost of insurance for a M4 G82 with zero history is over $12K a year. With years of driving history like me I only pay for $2500 a year to insurance my 2023 G82.
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08-18-2024, 12:53 PM | #32 | |
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I can only imagine what repairing the Vantage would cost as it has an aluminum frame/body and everything is jacked up. Six month rates
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08-18-2024, 12:57 PM | #33 |
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To the OP - someone in your situation is not going to get the best solution on one of those online portals. Plus NYC rates are really high. Honestly I would just disregard this quote completely. (That being said you are higher risk)
My advice - get to VA first and then call an independent agent who can get you quotes from multiple carriers.
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08-18-2024, 06:52 PM | #35 |
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Lots of stuff said.here in already, so I'll be brief.
You are the risky driver. You can fix this. Get a little older,buy a house, and have credit history from car loans and credit cards. Get married. Live outside of the high cost of living metro areas (NYC, LA SF Bay, DC Metro, Austin, etc) All these things will tell insurance companies you're less risky. M4s are high insurance rate cars in general, so you're still gonna be looking at hundreds a month to insure it, but that's better than 1k per month. |
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eugenebmw2084.00 champagnepak1124.00 |
08-19-2024, 07:55 AM | #36 | |
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08-20-2024, 10:28 AM | #37 |
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I would recommend getting a CT address and coming here, or register in NY state and keep the insurance location in CT. I'm in Stamford, 37 and annually pay one month of yours also perfect record no tickets for 18 years $650 2 cars.
CT pays property tax each year, you'll probably pay $600-1000 annually depending on which town mill rate you land in(if you register). |
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08-20-2024, 11:16 PM | #38 |
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26 I had a used GTI with liability coverage.
You got some whipper snappers who will spend $90,000 on a car instead of buying a house or paying a college loan. Then post on tic tac and MySpace Op Get your BMW just don’t park anywhere the repo man can snag it |
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David701753.50 |
08-21-2024, 03:37 PM | #39 | |
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Thank you for the sage advice though, Unc! |
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Westside Guy6995.50 |
08-21-2024, 10:29 PM | #40 | |
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Took me many years to pay off my college loan. On a serious note. The universe makes it difficult for a young person to buy a $90,000 car. Many Other things in life to enjoy at 26. I admire you young man very goal oriented and ambitious. All the best! |
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08-25-2024, 08:51 AM | #41 | |
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08-28-2024, 10:07 AM | #42 | |
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They use a combination of CLUE, LexisNexis, and MVR reports. They don't need your permission lmao. They won't issue a policy without running the reports either. |
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David701753.50 |
08-28-2024, 10:19 AM | #43 | |
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