Hello, I want to buy a car and insure it with a Hafpflicht… A rough picture I made myself via an online insurance computer, and it comes when I compare with friends about… Approx.250€ per year for a BMW E36 328i Coupé I am at 240% If you are looking at the more expensive insurances, however; they also like to charge 10 thousand per jar! And with totaling even 15,000€ (car value= 4000€) Due to these extreme price differences, between no-na and more expensive insurance, I ask myself, of course, how can I take the favorable 2,500€ as a guideline? Are these data pi times thumbs reliable… so on the 1-200€… Or otherwise asked: are 250€/year relistic for a 328i (200hp) or do insurance calculators give out any low number, which then acts as an advertisement? Thank you!