Tommy, yeah, primary driver and the car is in my name. Or so it says on the ownership
Only reason I can think it's so low, is cause mom/dad payed for my insurance on my first two cars while I paid for everything else. I owned a mazda 323 (4dr sedan) when I was 17, drove that for 3 yrs, then a nissan 240sx, and now the bimmer. So maybe it's just the 4 yrs of owning a car, and not looking like a high risk driver?
I have no clue how the insurance works. I'm through Security National, and I get no bs. Now, I dunno if it's cause of the good driving records my parents have, or what. But I've never paid 4k/yr, its always been less than $2500. On the nissan, it was 2k, cause it was burgandy (classified as red) and a sports car. The 4 dr bimmer may lower it too.