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DISCUSSION => General Topics => Topic started by: Geoff on July 18, 2012, 08:35:46 AM

Title: Insurance reduction?
Post by: Geoff on July 18, 2012, 08:35:46 AM

My insurance company tells me they can give me a discount if I prove that my car has anti-lock brakes and a air-bag.   The build sheet shows the air-bag, so thats cool,  but what about the brakes? was anti-lock brakes on all 91 318is cars?
                                                             Geoff

Title: Insurance reduction?
Post by: colin86325 on July 18, 2012, 08:48:35 AM

I believe so.  I had a January 1986 325 that had ABS as well.

Title: Insurance reduction?
Post by: DesktopDave on July 18, 2012, 11:27:41 AM

ABS was standard on all '91s, as well as the airbag except convertibles IIRC.

Your build sheet should have them both as installed options regardless.  I think they're the following codes:
210   ANTI-BLOCKIER-SYSTEM (ABS)
242 DRIVER AIR BAG+SERIES STRG WHL RIM(PUR)

Title: Insurance reduction?
Post by: Geoff on July 18, 2012, 03:24:25 PM

yeah, thats the weird thing. it definitely has ABS, but its not on the build sheet.
                                    Geoff

Title: Insurance reduction?
Post by: DesktopDave on July 18, 2012, 04:07:07 PM

I'd forward this article from Edmunds (http://www.edmunds.com/bmw/3-series/1991/?sub=coupe) to your insurer.  Alternatively, will they accept a pro mechanic's advice or affidavit?

Mine didn't have ABS listed as an option either, I just double-checked.

Found this great link to BMW's ETK while searching, though:
http://www.bmw.com/com/en/owners/accessories/electronic-parts-catalogue/electronic-parts-catalogue.html

Title: Insurance reduction?
Post by: Geoff on July 19, 2012, 05:31:52 AM

thanks Dave.   I think I probably have enough ammo now.   After all the effort, they will probably give me a 2 dollar reduction:rolleyes:
                                                                   Geoff

Title: Insurance reduction?
Post by: Boxx123 on July 23, 2012, 08:15:43 AM

How much money they will deduct from your insurance? I think it better if they will just decrease the insurance rate (http://www.insurancefindertool.com/how-much-car-insurance-do-i-need/).

Title: Insurance reduction?
Post by: Geoff on July 23, 2012, 03:06:29 PM

certainly glad you clarified that..feel better?:D

Title: Insurance reduction?
Post by: Guy de Truc on July 24, 2012, 07:55:32 PM

My convertible has ABS and Airbags. It seems to me it's standard on all the models.