bmw's are expensive to maintain, and thus, as all german cars, fall apart when not maintained.
the scheduled services on the ole 325i are quite a bit, and are yearly.
Avoid a bmw, unless it has a warranty. I know i've been there.
Hay: Call up progressive or state farm and ask for each style of car before considering it. they will be glad to quote you rates, all day long for as many cars you are considering.
my old 90 mustang lx 5.0 5-speed was considered a "sedan" , so it was like $80/month for insurance.

unless mommy is paying for insurance, you probably don't want to get into the $200-250/month insurance bracket, its very easy.
(btw, my 95 cavalier is more to insurance than a 90 mustang, and just a tad bit below our 01 jetta gls vr6).