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Put the $4000+ in a savings account and after $60k miles go celebrate all the money you saved instead of buying the insurance. These cars aren't known for engine failure and the items that do cause trouble (HPFP, wastegates) are covered by recall's / separate extended warranties.
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'09 525xi | Comfort Access, Moonroof, Softclose, PDC, CIC upgraded
'07 335i E90 (sold) // '03 Porsche Boxster (sold) // '07 Alfa Romeo GT 2.0 (sold) // '06 325i E90 (stolen) // '99 Alfa Romeo 156 (sold)
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