Personally, I would never buy a car that I had to put full coverage insurance on. I'm a cheap skate though. How about the 3 big ol' door dings I've got in the last 6 weeks? Pisses me off. For some people, they have to have a new car, and without them, there would never be used cars. The '06 is really sweet. If you're the "gotta have a new car person", go for it. If you like to have extra cash for road trips and stuff, buy a car you can write a check for.