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I am in the exact same boat as you OP. 24 years old, '11.75 e93 M3, and no accident/ticket history. I have Farmers with 100/300/100, OEM parts, etc and am paying out the ass. I just moved to Houston too but my insurance agent searched around to find the best deal while still having good coverage. I'm paying over $4k a year...
Not trying to thread jack, but on my insurance paperwork, they listed the full replacement cost of my car as the sticker price, not the actual price I paid for the vehicle a year ago (~ a $25k difference). Is this typical?
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