the intitall start up price for me is to high to get insurance like you we are on one income and its acc after i had a back injury working.i know its good to have insurance but at the same time its not there are over 4000 unpaid claims a year and ive been down that road and refuse to do it again.i started driving a fiat bambina manual at age 7 and have done many club races jimmy carna some drifting etc and i know that i wont crash yes there is a possiblity but its very slim and i have been driving for 7 years Legally now haha and have never crashed into someone nor into anything i am a very cautious driver and was taught at a very young age.my car is modified and is too much to get insurance if i had insurance for 7 years and didnt crash that would work that i paid $13750 for what?