Screw insurance. Really, just take some reasonably sized payments you would be giving to your insurance company and put them into a savings account which you can use if anything bad ever happens. Just make sure you always park your car in a safe place and you're careful in traffic.

This car is kind of a pain to use the clutch in. It's got a short clamp distance so a small jerk of the foot and its gone from neutral to 1st. It's hard to learn how to use a clutch at first, let alone this clutch.

All the same, I'm going to be buying myself one next year some time and it'll only be my second car. I'm 18. I'll see what insurance costs me but if I'm going to be paying the car's worth back in a few years I might as well just put those payments into my own savings and drive carefully.