JCW Insurance
#1
#2
#3
Most is going to depend on where you live, age, and driving record. I'm in AZ, 38, and clean record at about $810 for the year.
#4
My insurance (for an MCS, not JCW) is going up about 40% for the identical coverage from my former car which was a 335i! I have a spotless driving record, great credit rating and I'm well over 25. It's the car, and I suppose the insurance company's experience with the car. The demographics of Mini drivers is probably much younger than 335i drivers and therefore the claims experience is worse so the premiums are higher.
#5
#6
I won't even tell you how bad the rates are in NJ, but I can tell you with a clean driving record and married, NJ rates are sky-high. The base rate is just a factor of where you live and anyone in a highly-populated area will be hit pretty hard (coming from an insurance underwriter). you'd be surprised how little your deductible affects things, but I have been hit with increases every 6 months as my policy renewas for the past 5 years straight.
#7
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#8
I just switched it over to my JCW GP today, and it actually went down $10....wooo hoo
#12
#13
I won't even tell you how bad the rates are in NJ, but I can tell you with a clean driving record and married, NJ rates are sky-high. The base rate is just a factor of where you live and anyone in a highly-populated area will be hit pretty hard (coming from an insurance underwriter). you'd be surprised how little your deductible affects things, but I have been hit with increases every 6 months as my policy renewas for the past 5 years straight.
#14
I'm also an insurance underwriter (relatively newly minted), which is why I'm asking asking for advice re: who to stay away from ! I've found incredibly wild swings in terms of price for what's ostensibly the same coverage in my sector. I imagine auto insurance is more stable carrier-carrier, but from the sound of this thread, I'll hit up Geico first.
As for companies to stay away from, that one's really going to vary and depend on your experiences. I know of people that love State Farm for example and others that have had a bad claims experience with them and won't go back to them. Most of us will simply go with whomever we get the best deal with. A lot of the pricing will also be based on eographic location as someone mentioned above, so if you're in a densly populated area, expect more rate increases and so you'll be more likely to shop your insurance around a lot more than say someone in the mid-west.
Try a number of places and I'd also suggest an agent who deals with multiple companies as they can quickly shop many carriers at once and often get a better deal than going direct to a company.
#16
Asking someone about insurance premiums is like asking someone how much they spend on groceries! There are just too many variables to compare your rates to mine. Do you want state minimum coverage? Do you want comprehensive or collision coverage? How mucy deductible do you want. Zip codes, credit score, age, occupation, previous driving experience, garage or no garage all make a difference. The best thing you can do is contact the companies in the area you live and compare rates.
#17
I live in midtown Manhattan, 45 yr old married, clean license , 2005 Cooper, convertible , it is parked in a underground parking garage, never left parked in the street, summer car only and i do approx 3000 miles a year . State Farm wanted $1100 for 6x months or $2200 per year ????
They said NYC is one of the most expensive places to insure.
I went to Progressive, installed one of those 'snapshots' in the slot under the dashboard drove around for a few months and now, fully comp it's $500 for 6 months, $1000 per year.
They said NYC is one of the most expensive places to insure.
I went to Progressive, installed one of those 'snapshots' in the slot under the dashboard drove around for a few months and now, fully comp it's $500 for 6 months, $1000 per year.
#18
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