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@shenanigans When I asked to add collision for my 2016 BMW 428xi, my insurance company (and I cross shopped / same pricing roughly), wanted to charge me an additional $240 a month - with a $1000 deductable. Considering I could buy my car (same year make and miles) for roughly $16,000. I really...

@babyboy The X series have very high repair costs. The X5 especially. I would recommend no-collision insurance provided the car is paid off, it will drop your rate likely by 2/3. Most of that $5000 is collision (repairs if involved in an accident). Just a small fender bender on an X3 will...