Do it right the first time and get a 2001^ Bmw 540i A5 or 6M your choice wait take your time the right one will show up. Why a 5 series its bigger than a E46 3 series and you already got the E36 which is almost the same car. The 540i is the best known car for all around performance and they look really good. A 530i is their too but prices are very close so I'd have a V8. Power mods not to sure on that topic but they're fast with 6speed manuals. And have a lot of aftermarket support from suspension to M5 upgrades.
FWD not fun so forget those cars I always prefered power to the rear wheels especially in midsize to large cars. To me Fwd is a compact fuel sipper thing and cars like Toyota Yaris, Chevy Aveo, Smart should never have been allowed in the U.S
I thought it was all about civics and corollas and nothing smaller then that.
As you work with insurance what makes a car have lower rates payments
Sporty high porformance versions of bmw M-series, AMG, Audi's RS, wrx,sti's,evos will these be expensive even if they are old and resale value is under 10,000. Does engine size and hp matter or is it by brand of preminum cars. Safety, Color, Theft history.
If someone in thier early 20's wants to insure full coverage on a 2000 chevy corvette or a 2000 bmw 750iL v12 which would be cheaper.