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I'm on my 3rd BMW. No, $4500 isn't a lot. A regular accident can easily cost upwards of $10k.
Also, regular maintenance is more expensive than say a lower tiered brand. For example, an oil change alone cost $140-150ish at an independent BMW shop.
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Cars:
02' Lexus IS300 5spd
07' BMW 323iA
05' BMW Z4 5spd
06' BMW 330i 6spd
10' Audi A4 quattro
08' BMW M3 6spd
15' Kawasaki Ninja300
08' Yamaha R6
10' Honda Ridgeline
17' Audi Q5
16' BMW X5D
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