Im about same same hippy - I'm 20, rating 2 and I'm paying $1,800 with Just Cars.
My wheels are insured for 2k, cd player $500, exhaust $600 (even though its probably worth more!!) and car agreed for $22.5k.
My excesses all added up are probably about $2,000 - $2,500 which sucks, but don't have a choice!!