Hello! I am now 18 years old and would like to buy my first car. I have really got into the BMW’s 3s, but with these, every insurance I calculated is more than 1100 euros. (Also as a second car of my father ( 35% class)) Can one expect a BMW 3s with less than 1000 insurance per year or is that really not possible? I am now looking for a similar limousine, which is as low as possible a type class, around 100 hp, a manual transmission and a petrol moto r has. I’m sorry that I’m not very specific, unfortunately I’m a bit unplanned and therefore look here for inspiration, so again summarized : possible low maintenance, limousine, 250€+, gasoline, manual transmission. Is there the car for me or is it utopian? The consumption doesn’t matter so much, as I will probably only drive around the 8 thousand km per year. What about convertibles? Can you convertibles with older year of construction ( e.g. 318i Cabrio BJ 2000 ) also in case of rain o This seems to be very cheap in insurance, for example, http://www.autokostencheck.de/BMW/BMW-3er/318/318i-cabrio-bmw-3-r_6850.html I am looking forward to every answer and apologize for my ignorance If things are still unclear, I am happy to clarify this.