What the hell are you guys paying for 6 month or 12 month insurance on your BMW's??? Ok, yes I understand I'm 18, I'm male and I will be driving a very nice car to say the least, but I've had my european driver's license... which is harder to get than an american one... as well as my american one for 3 years now. I have nothing.... NOTHING on my record. They are still quoting me at least $3500 per 6 month term?!?! Where do you guys go and whats the price quote??