Do not, under any circumstances, buy a sports car. I know the Mustang looks cool. It feels like freedom. To an insurer, an affordable Mustang isn’t a car; it’s a ticket to the moon—specifically, the moon where your insurance premium lives, which is about $4,000 a year. They assume you will find a crowd and “do a thing.” Don’t be a statistic.
You also want to avoid anything theft-prone. The Honda Civic is a fantastic car, but it’s also the insurance equivalent of leaving a wallet on a park bench. Criminals love them; insurers make you pay for that love. You want a car that is boring, slow, and as exciting as watching paint dry on a beige wall.
