Insurance on my Type R is insane as well i have a clean record and am paying 270 a month for full coverage, its a 98 whice doesnt even help being that it is a little older then a 2000 or 01 Type R. Soon enough though i will be turning 21 and it will drop somewhat so thats great, but yeah gettin an ls and doin an enigine would be a great idea. Plus you coudl do a turbo or something of that sort whice is kinda tricky on a type R