78% of modified BMWs have a coverage gap

Your BMW is worth $80K.
Your policy thinks it's worth $42K.

Standard carriers depreciate your build, exclude your mods, and quietly deny claims. In 60 seconds, see if you're one of them — and what a specialist policy actually looks like.

Run My Coverage Check →

60 seconds · No card · Licensed specialist calls within 4 business hours

Licensed agents only Data never sold 4-hour response

2,400+

BMWs matched

$1,180

Avg. annual savings

4.9/5

Owner rating

< 4 hrs

First response

Real scenarios

Four BMWs. Four coverage gaps.

Sample matches from the last 90 days. Rates are illustrative and vary by state, driver profile, and carrier.

The Tracked E46 M3

Save $660/yr

2004 M3 · 92K mi · coilovers, tune, cage

Standard carrier: $2,340/yr — mods excluded, ACV settlement

Specialist: $1,680/yr — agreed value $52K, mods covered

The Daily-Driven F80 M3

Save $940/yr

2017 M3 Comp · 38K mi · downpipes, tune, wheels

Standard carrier: $3,120/yr — tune voids engine coverage

Specialist: $2,180/yr — full mod coverage, OEM+ parts

The Garage-Kept E30 M3

Save $1,000/yr

1988 M3 · 42K mi · matching numbers, restored

Standard carrier: $1,890/yr — depreciated to $28K

Specialist: $890/yr — agreed value $145K, low-mileage

The Built G80 M3

Save $1,260/yr

2023 M3 Comp · 12K mi · full bolt-ons, carbon

Standard carrier: $4,200/yr — $18K of mods uncovered

Specialist: $2,940/yr — every part scheduled & insured

See My Scenario →

Sample rate ranges

Annual premiums for clean drivers, garage-kept, full coverage with agreed value where applicable.

Chassis	Stock	Modified
E36 / E46 (90s–early 2000s)	$1,400–$2,100	$1,800–$2,800
E90 / E92 M3	$1,800–$2,600	$2,200–$3,400
F80 / F82 M3 / M4	$2,200–$3,200	$2,800–$4,200
G80 / G82 M3 / M4	$2,600–$3,800	$3,200–$5,000
Collector (E30 M3, 1M, etc.)	$700–$1,500*	$900–$1,800*

* Collector / agreed-value policies require limited annual mileage. Ranges based on representative quotes; your final premium depends on state, driving record, garaging, mileage, and carrier underwriting.

Standard vs. Specialist

Feature

Standard

Specialist

Covers aftermarket modifications

Agreed value (not depreciated)

OEM+ parts on repair

Track day exclusion clarity

Specialty shop network

24/7 claims line

What owners say

"My old carrier dropped me after one track day. The agent they matched me with wrote a policy that actually covers the cage and tune — for less."

M.K., NJ — '18 M3 Comp

"I'd been quoted $4,100 for my G80. Specialist came in at $2,940 with every mod scheduled. Took one phone call."

D.R., CA — '23 M3 Comp

"Finally an agreed-value policy on my E30. No more arguing about depreciated comps if something happens."

S.L., TX — '88 E30 M3

Our promise

One licensed specialist. One conversation. If they're not the right fit, we re-route you at no cost. Your data stays with that one agent — never syndicated, never sold.

Common questions

Average owner saves $1,180/yr

Two minutes now.
Or a denied claim later.

Find out where your policy actually stands.