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#1. Re: [E36M3] Insurance question (pertaining to State Farms) - from Skip Bogard
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Date: Wed, 21 Feb 2001 12:47:49 -0500 From: Skip Bogard <Skip.Bogard@ALUMni.DUKE.edu> Subject: Re: [E36M3] Insurance question (pertaining to State Farms) I have State Farm, Chester. What the lady is trying to say is, when you turn 25 come into the office. There she will: 1. Rewrite your policy. This is key, because when they rewrite ANY policy, the rate is then re-evaluated. Chester...Rates just don't automatically get reduced because of random events outside their little State Farm insurance world (like Chester's birthday)...that is, they don't run some "mainframe batch" SQL program everynight that says: SELECT FROM HOLDERS.POLICIES NAME, RATE, DAYOFBIRTH, YEAROFBIRTH WHERE (TODAY = DAYOFBIRTH) ; today is your birthday AND (THISYEAR - YEAROFBIRTH) = 25 ; you just turned 25 UPDATE RATE = NEW_LOWRATE_FOR_CHESTER_AND_FRIENDS Chester...this adjustment just doesn't happen...unless the state passes a law allowing insurance companies to raise (or telling them to lower) rates. They have better computer programs to run...like figuring out who to drop from coverage! Why should they spend computer time running SQL Queries & programs to "Data Mine"...looking for ways to reduce your rates? That is your problem! 2. Now, to rewrite your policy...your agent needs an excuse! An excuse could be just about anything: adding a 2nd car, deleting a 2nd car, etc. In your case, switching to State Farms "MPP" (Monthly Payment Plan) will be enough excuse for her to rewrite your policy. BTW, I have the Monthly Payment Plan (MPP) too. It is a good way to pay as you go. My camera and jewelry riders are on it too. Anytime you add home or auto coverage, it will just go on the MPP. You'll never have to write another big check all at once. Your agent is going to help you, because she knows that the reduction won't happen automatically. But don't expect her to explain every "why & howcome?" to you, cause really...she probably doesn't know! 3. Lastly, in NY state, ask if State Farm offers a GRP policy...this stands for Guaranteed Renewable Policy. If you can get this...you are GOLDEN with State Farm. They cannot drop you, no matter how many accidents you get in the future. Not all states have this, due to state regulation. How do you get a GRP? You have to go TEN years without a single accident. I have one! It is great. NOW RECORD KEEPING IS UP TO YOU! IT SHOULDN'T BE, BUT IT IS. Save a copy of your declaration page ("dec pages") for every year you have State Farm... because if you switch agents/policies/... it screws up their recording keeping (their ability to RUN SQL statements to find all customers who've been with them for ten years without accidents). So, hopefully by the time you are 35 or so, you can get your GRP policy (I have one now!) I drive on track with peace of mind! They cannot force me to sign a rider saying "no more track events" Mr. Bogard, because you wreck too much at driving school! Sign the rider or we don't give you coverage!" Now...they can raise my rates higher than the GDP, but that is a different matter... If you don't have copies of all your "dec" pages, then dig out copies of your cancelled checks with your State Farm account number written in at the bottom (you do this, don't you?). And make sure you keep these FOR TEN YEARS! - Skip Chester Wong wrote: > > Date: Tue, 20 Feb 2001 21:03:28 -0800 (PST) > From: Chester Wong <chester_p_wong@yahoo.com> > Subject: Insurance question (pertaining to State Farms) > > Hi guys...got a question. With a clean record, living in Brooklyn, NY I'm > paying about $4500 per year for insurance...ugh. (The amount that I've spent > on insurance for the past two years could have bought me a new Hyundai or > something). Anyway, I'm turning 25 in April and I've been told by the lovely > people at the local insurance company that it will go down $2k per year...woo > hoo! > > The problem is that I pay on a semi-annual basis and my next coverate period > begins March 1, 2001. The insurance rep said that the new reduced rate will > not kick in until the coverage period after I turn 25--September. I think it > quite ridiculous to pay the higher rate for the 4 months that I'm already 25. > I called today trying to find out how I can pay the least amount. > > So here's the conversation I had today with the lovely rep: > > Me: "I was wondering if there was a way to not pay the higher rate after I turn > 25." > Her: "I'm afraid the new rate will be effective in September." > Me: "What about switching to a monthly plan?" > Her: "Yeah...that will work." > Me: "That's great...are there any disadvantages to going monthly?" > Her: "No...just that you'll have to pay every month." > Me: "Oh...that's not a problem...does it cost anything?" > Her: "Yeah...a dollar service charge per month." > Me: "Oh..that's nothing compared to what I would save." > Her: "Definitely." > > I'm afraid she wasn't really listening to what I was asking. I asked her about > what you guys were talking about State Farms reclassifying the M3 (if anyone > could provide me with more detail, that would be great) and she just brushed me > off saying, "Oh yeah...you already have a discount." I said, "Buy I heard that > State Farms recently...like within a week or two reclassi...." "Yeah...you > have discounts," she interrupted. > > So what I'm thinking happened is that the rate won't change until September and > she basically thought I was looking for a stretch pay option and couldn't > afford the $2.5k hit for March. > > Anyone know what should happen? Of course, I'll call tomorrow, but it helps to > learn from the experience of the many on this list ;) > > Thanks, > Chester > > ===== > > __________________________________________________ > Do You Yahoo!? > Yahoo! Auctions - Buy the things you want at great prices! http://auctions.yahoo.com/ > > ************************************************************* > List Commands > UNSUBSCRIBE - (in subject line) unsubscribes you from the mailing list. > DIR - sends a listing of files available in the list's GET directory. > GET filename1.ext,filename2.ext - sends the requested file(s). > > To issue a command/request to the server: > Send a message with the command you wish executed as the > subject of the message. > *************************************************************
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#2. Re: Wheel PN - from Paul England
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Date: Wed, 21 Feb 2001 12:51:32 -0500 From: "Paul England" <ettsn@mindspring.com> Subject: Re: Wheel PN I think I found most of my answer. It's a 7x15 wheel, so it doesn't matter. Thanks, anyway if you looked. -Paul >Does anybody know what PN 36 11 1 180 069 looks like? I think it's a wheel, >and I think I found a deal on some, but I cannot find what they look like. >Anybody know?
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#3. Body Parts - from Paesan
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Date: Wed, 21 Feb 2001 09:56:53 -0800 (PST) From: Paesan <Paesan@excite.com> Subject: Body Parts Hi All, Does anybody know where I can find body parts such as fenders, hood, trunk lid, doors made of fiber glass or Carbon Fiber? Also I noticed yesterday the Grassroots motorsport article on the M and I thought it was great and if you didn't read it I highly suggest it. 98 M3 _______________________________________________________ Send a cool gift with your E-Card http://www.bluemountain.com/giftcenter/
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#4. Re: [E36M3] MORE E46 M3 parts and feature comparisons - from Sean Hester
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Date: Wed, 21 Feb 2001 10:03:12 -0800 From: "Sean Hester" <seanh_race@hotmail.com> Subject: Re: [E36M3] MORE E46 M3 parts and feature comparisons >I used to own a car like Sean describes, a Porsche 928 S4, big, heavy (3600 >lbs) and quite fast, but not as much fun IMHO. > >I like my E36 M3, in a year or two, I may buy an E46 M3 and convert my E36 >into a track car. that is my plan (i'm on the e46 waiting list). i think the e46 will be a good fun daily driver. big enough for 4 people in a pinch, and fast enough for shaming some mustangs and highway offramps on the way to work. it will be the car i DON'T take to the track. _________________________________________________________________ Get your FREE download of MSN Explorer at http://explorer.msn.com
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#5. Re: [E36M3] Re: MORE E46 M3 parts and feature comparisons - from Sean Hester
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Date: Wed, 21 Feb 2001 10:06:30 -0800 From: "Sean Hester" <seanh_race@hotmail.com> Subject: Re: [E36M3] Re: MORE E46 M3 parts and feature comparisons >i'm not sure i'd call the new m3 big, heavy or large engined (though i >guess it is technically loaded).... > >big?-try squeezing into the back seat. >heavy?-the m5, now thats heavy. >large engine?-if 3.25 liters is "large," what is the 5.7 L vette, or the 8 >L viper? > >its fast and handles pretty well. it might not be a "race" car, but it >does seem pretty sporty to me. i guess it depends on how far you slide the scale. to me the M3 seems closer to the M5 (what i call a touring car) then a miata (or a Z3 if we're staying in BMW land) (what i call a sports car). _________________________________________________________________ Get your FREE download of MSN Explorer at http://explorer.msn.com
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#6. Re: [E36M3] Re: 36,000 check-up - from Sean Hester
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Date: Wed, 21 Feb 2001 10:11:16 -0800 From: "Sean Hester" <seanh_race@hotmail.com> Subject: Re: [E36M3] Re: 36,000 check-up >I'm going to risk a flame war!!!!!!! I think the routine checkups >recommended by the factory are a bunch of genuine crap! It is just a sly >way to get you back into the dealership so they can find little things to >scare you with if you don't have them fix it! The tech who inspects your >car is the most junior trainee in the shop. Almost everything on their >list >are things you can do yourself with a good flashlite and a good eye! The >price for this is outrageous. > >Of course they have you by the balls! If you don't have them do it, it >voids your warranty. > >Now, flame away. no... you're right. what did i do about it? i took my car to an independant BMW service place. ("Strictly BMW" in bellevue WA) they are authorized to perform service which will keep my warrenty intact. the "routine services" are still the same price, but they actually DO check stuff, and "go the extra mile" and give you $450 worth of labor. in fact... they insist that you leave the car there for 8 hours at least. because they're doing that much work. _________________________________________________________________ Get your FREE download of MSN Explorer at http://explorer.msn.com
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#7. Re: GC Shifter Reinforcement (was G-forces) - from Kit Wetzler
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Date: Wed, 21 Feb 2001 10:20:34 -0800 From: Kit Wetzler <kitwetzler@mindspring.com> Subject: Re: GC Shifter Reinforcement (was G-forces) > What is this? http://www.ground-control.com/gcbmwcat.htm scroll down and look at shifter reinforcement. It's an Aluminum ring that bolts onto the shifter and takes out some of the slop from it being filled with rubber... designed to make the shifter feel more positive. I like it, I think. I might try taking it off and seeing if the vibration is worth the better snicky feeling. :) -kit
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#8. Wheel PN - from Dorffer, Rich
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Date: Wed, 21 Feb 2001 13:36:48 -0500 From: "Dorffer, Rich" <RDORFFER@CleIndians.com> Subject: Wheel PN Paul asked > >Does anybody know what PN 36 11 1 180 069 looks like? I think it's a wheel, >and I think I found a deal on some, but I cannot find what they look like. >Anybody know? Maybe someone else will have better luck but I could not find a wheel to match up with that part number at all, even using only the "180" component or the "069" component. Regards, Rich
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#9. Re: [E36M3] MORE E46 M3 parts and feature - from Joe Tan
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Date: Wed, 21 Feb 2001 10:46:03 -0800 (PST) From: Joe Tan <mailjtan@yahoo.com> Subject: Re: [E36M3] MORE E46 M3 parts and feature I couldn't said it better myself. For some reason most people think that powerful car= sports car and that the more power a car have the the sportier the car. And those same people wonder why a Miata is a Sports car when it "only" have 140hp. Oh well... Joe T. ------------- "Sean Hester" <seanh_race@hotmail.com> wrote: anyone that thinks the e46 M3 is more of a "sports car" then the e36 M3 (or e30 M3) doesn't know what a "sports car" is. big, heavy, technically loaded, large engine cars are just that. (big heavy fast cars) not sports cars. __________________________________________________ Do You Yahoo!? Yahoo! Auctions - Buy the things you want at great prices! http://auctions.yahoo.com/
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#10. ATE Rotors.... - from Mark Radelow
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Date: Wed, 21 Feb 2001 18:58:39 -0000 From: "Mark Radelow" <radelow@hotmail.com> Subject: ATE Rotors.... I was wondering...Anyone know why they don't make Powerdisc's for our M3's? Seems kinda weird... Mark _________________________________________________________________ Get your FREE download of MSN Explorer at http://explorer.msn.com