Bimmer Spinner!

[JPerfect]

Well, the ti itself cost $5500USD, and the insurance is the same as my old Hyundai Accent (not that that's cheap, over $3,000USD/Year) Mainly because I'm 20, I have been in 2 minor accidents, and I live in New Jersey, about 8 miles from New York City. Sure I can afford the spinners, quite easily i might add, but I'd rather put the money towards something I need a little bit more, like winter tires, gas, books, tuition, insurance, food, my cell phone bill, etc.

I'd rather save, save, save, save, and not worry about payments later.

[Matt-UK]

Originally Posted by Boxbrownie

I think the point Matt was trying to make is the fact that over here buying and owning a BMW is usually completely out of the financial reach of younger people, let alone "college kids"......insurance alone would probably amount to more than the purchase price of a clapped out used BMW for anyone under 21

For example to insure my daughter at 20 on a Ford Fiesta 1300 this year cost around £1500......more than the value of the car!!!

So yes.....anyone can buy a ti.......but not everyone once bought can afford to even put it on the road!

Best regards David

BTW...the spec you have

"98 Avus Blue 318 ti Active
clear outs all around,stealth turning signals,blue interior lights,PIAA lights,35% tinted windows,K&N air filter,Rockford Fosgate punch 12",MTX Thunder amp,Alpine cd changer, Leatherz Armrest,ACS Pedals/Handbrake/FloorMats and Carbon Fiber B-Pillars"

I'm not sure you would get any insurance company to even laugh at a quote for you over here on that ti with those mods!

Spot on david.

[JPerfect]

Originally Posted by Boxbrownie

BTW...the spec you have

"98 Avus Blue 318 ti Active
clear outs all around,stealth turning signals,blue interior lights,PIAA lights,35% tinted windows,K&N air filter,Rockford Fosgate punch 12",MTX Thunder amp,Alpine cd changer, Leatherz Armrest,ACS Pedals/Handbrake/FloorMats and Carbon Fiber B-Pillars"

I'm not sure you would get any insurance company to even laugh at a quote for you over here on that ti with those mods!

Insurance doesn't look at Mods, they just care about the VIN Number. I have friends who bought 4 Banger Mustangs and put 5.0 motors in them, basically turned the body into a full fledged 5.0, with symbols, but since the VIN# is still indicating a 4cyl, they get away with it, because insurance doesn't INSPECT your car... they just look up the VIN as we would online.

[edit] Though I can see that changing in the near future with all these highly modified cars on the roads.

[Matt-UK]

Originally Posted by JPerfect

Insurance doesn't look at Mods, they just care about the VIN Number. I have friends who bought 4 Banger Mustangs and put 5.0 motors in them, basically turned the body into a full fledged 5.0, with symbols, but since the VIN# is still indicating a 4cyl, they get away with it, because insurance doesn't INSPECT your car... they just look up the VIN as we would online.

[edit] Though I can see that changing in the near future with all these highly modified cars on the roads.

True- but it makes your insurance void if you have a crash.

[drkblu318ti]

My insurance went down after i bought my Ti. Im 17 and i had a '03 Hyundai Accent, which i sold to get my Ti. So its not as bad as some may think.

[Tyler]

Originally Posted by Boxbrownie

BTW...the spec you have

"98 Avus Blue 318 ti Active
clear outs all around,stealth turning signals,blue interior lights,PIAA lights,35% tinted windows,K&N air filter,Rockford Fosgate punch 12",MTX Thunder amp,Alpine cd changer, Leatherz Armrest,ACS Pedals/Handbrake/FloorMats and Carbon Fiber B-Pillars"

I'm not sure you would get any insurance company to even laugh at a quote for you over here on that ti with those mods!

With or without what i've done to my car it's not going to change my insurance price. I have no performance mods just cosmetic. If that changes the price of insurance in the UK that is a joke. I only pay $1100 with full coverage. When i 1st got my license the most i paid was $1600. I got 2 tickets with my ti(Unregistered Motor Vehicle) and price went up $400 bucks but has now dropped back down.

[Matt-UK]

Yeah we got it bad over here! If you add even a spoiler youre supposed to tell them about, then the insurance bumps!

[Dubster1]

Tyler your spec wouldnt hike the insurance a serious amount over here.Turn signals and smallish interior mods wouldnt be a problem,its when you start putting on bigger wheels,spoilers,performance exhaust systems and the like which can up the premium considerably.

Still if you are young you do get shafted a bit for insurance over here on higher grouped cars.

[Matt-UK]

Hell Yeah! actually get this- when i was 17 and bought my first car (1.3 escort) for £150, called tesco insurance, they quoted me £4100!!!!!!!!!!
third pary fire and theft! cunts!