Couldn't agree more, if you can't afford to insure a car and you drive it you're a fool. If someone like you hit me and didn't pay up I'd be coming for blood. This sort of sh|t really p|ssed me off. As much as it hurts you need to grow up and take some responsibility. I paying close to 3k full comp on my R33, why? Because I could afford it, if you can't then don't drive that type of car. Wait until you are older, your premium is lowr and THEN do it. Simple.