435i xDrive Ontario Insurance rates

BavFan_08 · 07-11-2014, 02:06 PM

Quote:

Originally Posted by Hydim

Hi guys,

I am new to the forums, and soon to be new 435i xDrive owner. My car just completed manufacturing, and is soon or on it's way over.

While I wait, I am shopping around for insurance quotes. I am wondering what everyone is paying in Ontario for their F32. Which company has the best rates.

So far State Farm has me quoted at $162/month while Co-Operators $148/month.

Thanks!

When I drove a brand new 2008 335i RWD Sedan, with no accidents, no speeding tickets, the cheapest I could get was 2500. The kicker? I lived in woodbridge. I was 30 at the time......in fact it even went up to 2800-2900....

Fat Panda · 07-13-2014, 09:59 PM

I think I am going to stick with State Farm then.

The dealer has an ETA of the 24th for my car. Hopefully this wait will end soon!

steve@codemybimmer · 07-20-2014, 01:52 AM

Man, how are you guys getting these kind of rates?

I'm 30 with no convictions, no tickets, no accidents and has 10 years driving experience and I'm paying $200 a month on a 2012 328i. Looks like it's time to start shopping for better insurance rates.

///MZ · 07-21-2014, 09:18 AM

Quote:

Originally Posted by Aritaurus

Man, how are you guys getting these kind of rates?

I'm 30 with no convictions, no tickets, no accidents and has 10 years driving experience and I'm paying $200 a month on a 2012 328i. Looks like it's time to start shopping for better insurance rates.

Me personally, I have several percentage point deductions for a) having home insurance with RBC and b) being a member of PEO (professional engineers). There are some other deductions for clean driving record etc. Otherwise I would probably be paying more than 120$ per month (and I'm only 28).

Desi · 07-21-2014, 09:24 AM

Quote:

Originally Posted by Aritaurus

Man, how are you guys getting these kind of rates?

I'm 30 with no convictions, no tickets, no accidents and has 10 years driving experience and I'm paying $200 a month on a 2012 328i. Looks like it's time to start shopping for better insurance rates.

The answer to your question is: Not Toronto. It sucks but TO is the most expensive place in Ontario to insure by a wide margin. As I posted earlier, I'm 27/M and I've got a speeding ticket on my record but pay $140 for my 435xi, but that's because I'm in Ottawa - the country outside of Ottawa to be exact.

abhi7_chd · 09-23-2018, 09:09 PM

True that Toronto is very expensive

youngdoc1 · 09-24-2018, 07:20 AM

Quote:

Originally Posted by abhi7_chd

True that Toronto is very expensive

+1

TheUltimateDrivingManiac · 09-24-2018, 08:11 AM

Quote:

Originally Posted by Desi

TO is the most expensive place in Ontario to insure by a wide margin.

Nah. It's Brampton, the most expensive place in whole Canada to insure.

435isGC · 09-26-2018, 08:01 AM

For me, i'm 31 and have a 435i, In the GTA and I pay about 140/mth with allstate.

Glad I don't live in Brampton, i'm sure it would be much more

mattryan · 09-26-2018, 09:21 PM

31, insured since I was 17, no accidents, no tickets - $121/month

mattryan · 09-26-2018, 09:23 PM

Quote:

Originally Posted by steve@codemybimmer

Man, how are you guys getting these kind of rates?

I'm 30 with no convictions, no tickets, no accidents and has 10 years driving experience and I'm paying $200 a month on a 2012 328i. Looks like it's time to start shopping for better insurance rates.

Try Coseco Steve that's who I'm with their rates are better than TD's with a staff discount.

thug108 · 09-27-2018, 01:23 PM

Quote:

Originally Posted by steve@codemybimmer

Man, how are you guys getting these kind of rates?

I'm 30 with no convictions, no tickets, no accidents and has 10 years driving experience and I'm paying $200 a month on a 2012 328i. Looks like it's time to start shopping for better insurance rates.

im in the exact same situation as you paying 205 (full coverage)with belair. I just checked around and I still cant get anything cheaper. im so confused

Boost75 · 09-28-2018, 02:26 AM

435i m sport line M1 M2 pack.
$120/month for me too with TD. together with wifes car and house.
43 years old with clean record, richmond hill.
car pic.

tokic_o · 10-01-2018, 06:58 PM

2018 430i x drive gran coupe $125/month with Aviva. I also got condo insurance with Aviva.

27 years old with clean record. Markham

stvding · 10-02-2018, 04:04 PM

It all depends on where do u live.

I am 25, have 5.5 years of driving history, no pull over, no at-fault accident, clean history.

I get 203/month in Waterloo but 271 in Markham. TD. Both with preferred group discount and snow tires discount. Both with 0 deductible in both direct compensation and comprehensive . 1M liability.

2016 F32 435xi.

stvding · 10-02-2018, 04:08 PM

Quote:

Originally Posted by Boost75

435i m sport line M1 M2 pack.
$120/month for me too with TD. together with wifes car and house.
43 years old with clean record, richmond hill.
car pic.

Can I meet you? I am in Markham. Hwy7/Warden. Ur car is sick

elevenmonkeys · 10-05-2018, 09:47 AM

Quote:

Originally Posted by BavFan_08

When I drove a brand new 2008 335i RWD Sedan, with no accidents, no speeding tickets, the cheapest I could get was 2500. The kicker? I lived in woodbridge. I was 30 at the time......in fact it even went up to 2800-2900....

I am living in Woodbridge. The cheapest i can get is 2500 a year on my X5 through state farm. That is with home insurance and gf's auto insurance with state farm. i've been driving for 5 years with no claim no ticket. 25yr old with G license

The rate you get for living in woodbridge is ridiculous.

tokic_o · 10-05-2018, 11:55 AM

Quote:

Originally Posted by stvding

It all depends on where do u live.

I am 25, have 5.5 years of driving history, no pull over, no at-fault accident, clean history.

I get 203/month in Waterloo but 271 in Markham. TD. Both with preferred group discount and snow tires discount. Both with 0 deductible in both direct compensation and comprehensive . 1M liability.

2016 F32 435xi.

Must've been nice rolling in a new 435 in university

Once I turned 25 my rate fell from 300 down to my current around $120-$130 (depending on the car) and I live right at Warden/7 also.

stvding · 10-05-2018, 02:39 PM

Quote:

Originally Posted by tokic_o

Quote:

Originally Posted by stvding

It all depends on where do u live.

I am 25, have 5.5 years of driving history, no pull over, no at-fault accident, clean history.

I get 203/month in Waterloo but 271 in Markham. TD. Both with preferred group discount and snow tires discount. Both with 0 deductible in both direct compensation and comprehensive . 1M liability.

2016 F32 435xi.

Must've been nice rolling in a new 435 in university

Once I turned 25 my rate fell from 300 down to my current around $120-$130 (depending on the car) and I live right at Warden/7 also.

Why I still pay 271/month when i am 25 this year? Birthday is March, I got current rate in July. Fcuk

tipshk · 10-06-2018, 09:24 AM

29, Richmond Hill, 2018 340i, about 10 years of driving experience, clean record, $200/month TD.

07-13-2014, 09:59 PM	#24
Fat Panda Private First Class 34 Rep 141 Posts Drives: 14' 435i xDrive M Sport Join Date: Jun 2014 Location: Toronto, ON iTrader: (0)	I think I am going to stick with State Farm then. The dealer has an ETA of the 24th for my car. Hopefully this wait will end soon!
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07-20-2014, 01:52 AM	#25
steve@codemybimmer BimmerPost Supporting Vendor 665 Rep 1,976 Posts Drives: 2020 G20 320i M Sport Join Date: Apr 2010 Location: Canada & HK iTrader: (2) Garage List 2020 320i M Sport [0.00]	Man, how are you guys getting these kind of rates? I'm 30 with no convictions, no tickets, no accidents and has 10 years driving experience and I'm paying $200 a month on a 2012 328i. Looks like it's time to start shopping for better insurance rates. __________________ CMB Solutions Limited \|codemybimmer.ca Vehicle Diagnostics \| CarPlay Solutions \| Retrofit & Repair Consulting/Programming steve.ma@cmbsolutionsltd.com \| www.codemybimmer.ca Online Store \| Remote Coding Package\| ID6 Retrofit for almost all F Chassis BMWs
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09-23-2018, 09:09 PM	#28
abhi7_chd Registered 0 Rep 1 Posts Drives: BMW 328 xi Join Date: Sep 2018 Location: Canada iTrader: (0)	True that Toronto is very expensive
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09-26-2018, 08:01 AM	#31
435isGC New Member 0 Rep 5 Posts Drives: 435i GC M-Sport xDrive Join Date: Jan 2018 Location: Toronto, Ontario iTrader: (0)	For me, i'm 31 and have a 435i, In the GTA and I pay about 140/mth with allstate. Glad I don't live in Brampton, i'm sure it would be much more
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09-26-2018, 09:21 PM	#32
mattryan Captain 86 Rep 638 Posts Drives: 2022 M240i xDrive Join Date: Dec 2010 Location: Toronto, ON iTrader: (0)	31, insured since I was 17, no accidents, no tickets - $121/month __________________ Current: 2022 M240i xDrive Previous: 2018 440i xDrive, 2012 135i
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09-28-2018, 02:26 AM	#35
Boost75 Enlisted Member 0 Rep 37 Posts Drives: 2014 BMW 435I M sport X drive Join Date: Nov 2016 Location: Oak ridges iTrader: (0)	435i m sport line M1 M2 pack. $120/month for me too with TD. together with wifes car and house. 43 years old with clean record, richmond hill. car pic. Attached Images
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10-01-2018, 06:58 PM	#36
tokic_o First Lieutenant 34 Rep 397 Posts Drives: F87 M2 / F36 430i / E92 M3 Join Date: Mar 2013 Location: Toronto iTrader: (1)	2018 430i x drive gran coupe $125/month with Aviva. I also got condo insurance with Aviva. 27 years old with clean record. Markham
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10-02-2018, 04:04 PM	#37
stvding Major 662 Rep 1,447 Posts Drives: G20 M340ix Join Date: Jul 2015 Location: Markham iTrader: (0)	It all depends on where do u live. I am 25, have 5.5 years of driving history, no pull over, no at-fault accident, clean history. I get 203/month in Waterloo but 271 in Markham. TD. Both with preferred group discount and snow tires discount. Both with 0 deductible in both direct compensation and comprehensive . 1M liability. 2016 F32 435xi.
	Appreciate 0 Quote

10-06-2018, 09:24 AM	#42
tipshk Registered 0 Rep 1 Posts Drives: 2018 BMW 340i Join Date: Oct 2018 Location: Toronto, Canada iTrader: (0)	29, Richmond Hill, 2018 340i, about 10 years of driving experience, clean record, $200/month TD.
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