Makes perfect sense to me.

1. It's newer.
2. It has less miles
3. It's worth more
4. It's more likely to get stolen
5. It's far more likely to get into an accident.
6. The forester is a small SUV. The WRX is a sports sedan.


All those go together to make a higher premium. I pay more for my 2004 wrx wagon than we pay for my wife's 2011 forester.

 

Why would my 2006 Lotus Elise be cheaper to insure than my 2002 E46 M3? The elise is newer, cost more, lower mileage, will total out 90% of the time when in accident.

 

^Thanks for the info btw. Will be calling, as I'm due to renew at the end of the month.

 

Don't know. I don't own a lotus or an m3. Seems to me that if you own them you should understand why things cost more for those particular cars.

My suggestion... ask your insurance agent.

My guess... The M3 is probably higher on several of their lists... accident percentages, tickets, thefts. If more of them (percentage) are stolen, wrecked or ticketed... boom. Higher insurance rate.

So my guess is that the M3 is probably stolen more often, wrecked more often and receives more tickets per capita.



Side note... I have no idea why BMW owners feel the need to broadcast what motor is in the car. I am aware that an E46 came in a 2002 M3. So unless you stuffed and E92 in it I don't care what motor is in the car. Most people probably have no idea what an E46 is. Those that do are aware of it being in your car.

I don't go around saying I drive a 2004 EJ20 WRX.

Most people would be like... WTF is an EJ20. The rest would say... no **** dude.

Damned pretentious bmw owners.

 

but it's a S54 engine in the E46, E46 is just the body style

 

E46 M3 is a chassis code. Just like GD and GR. Everyone knows them better that way. E90/E92/E93 M3 is the 2008+ M3 that has a S65 and E46 M3 is the 02-06 model that came with the S54.

 

my 2012 dba only costs 1200 a year to insure.

 

All you did was prove my point. I'm not on a bmw board and frankly don't know much about them. I look at the year and model... that's about it. I nearly bought a 540 back in the day. I have no idea what the body or engine code was. I suppose if I bought it I would care.

I just don't get it. On a bmw board sure I guess. Like people do here. Even in my honda days I never really followed the whole EG, EK nonsense. I don't do it here either.

I can't even remember my own chassis code most of the time.


Just never understood the point of saying....


I own a 2004 Impreza WRX Wagon GD EJ20 AWD.

Too much nonsense. 2004 WRX Wagon is enough unless I'm trying to sell it or I put an EJ255 or 257 in it or something else that changes the stock configuration. But then again I just wrote a book about a bunch of bull****. LOL!



Thank you for my education on BMW's. I will now never make that mistake again. I always assumed it was the engine code. Suppose I should have known better.

 

Damn! That's almost what it costs to insure my 2011 forester. That's cheap as hell. How the hell are you pulling that off?

 

Apparently everyone is an overstatement.

I might understand what codes go with what years but I always thought it was motor not chassis. Now I know better.

I never claimed to know **** about BMW's. LOL! Definitely proved that. Haaa.

 

I think it's because he list the dba and his gtr as weekend only car and could only put a certain amount of miles on there, and his prius and truck is his main form of transportation.

 

Damn...I pay ~$800/year for 3 cars...300/100k normal and uninsured bodily injury and 100k property with $1,000 deductable (too lazy to log in to check the rest). No tickets or accidents and I am way over 25 This is through Esurance

 

Multiple car discount helps too.

Lucky bastard.

 

That's mad cheap man.

Ours is I think around $1100 a year for 3 cars. But one of them is 60 years old and listed at 2000 miles a year. Right now it sees zero miles. Need to finish it. But I keep in insured just incase.

 

Mine are nothing fancy either, which plays a role, with 7,500-10,000 mile range (though neither car really sees it). '98 Subaru, '88 Toyota, '84 Nissan. The Toyota also needs finishing, but I didn't want to interupt the insurance. Playing with the milages and coverage doesn't seem to make a big difference for some reason; +/- $100 a year...so I just leave it