Dude, you're insurance isn't going to be 5-6K a year...TRUST ME...if it is...you're getting Ripped majorly. Depending on your age, with full coverage your insurance shouldn't be more than $1,500 a year at the most. I'm 19 and I'm paying just a touch over $1,000 a year ($91 p/month)...granted I drive an LS...but it's a 2000...6 years newer than the GSR you're looking at. Just call your insurance company and have them quote you a price...it shouldn't be anywhere NEAR 5-6K a year. And I agree with MrFatbooty, atleast try to find a GS, or an LS...don't settle for RS...nothing against them...but they're just the base model with not much to them.