def get yourself on the policy w/ your parents. call around different places w/ your parents license number, make model of cars you own, and the one that you'll be getting. put yourself as the driver of the cheapest car, thus the lowest premium. (even better if your family has a beater that only has comp coverage.) if you are in college that's far enough away, but still in state, you may not even have to be on the policy. because that parking ticket or speeding ticket, accident could've happened on a week when you happen to take the car up to school, for moving, some appointment you had to goto far away in the middle of the week.. etc.
while i was insurance shopping for the, 330i w/ good driving record (no tix in 8 years no accident in 4.) as my only car was 1800 per six months. broad collision (which is more in michigan). i got myself attached to my parents policy, since my dad was the co-signer on the car, i pay lil over $600 a month with me as the primary driver. (i am also using american express insurance through costco, which is cheaper, but you get the picture.)