Hello, i've had a similar experience with insurance. i'm 18 years old and i'm a freshman in college. i bought my DeLorean last november. i have a good relationship with my insurance company, State Farm. i also own a 1987 plymouth duster. here's the trick: have the vehicle listed under you and your parent. then have them insure it as your 'recreational car' or 'fun car', whatever. just don't have it listed as your primary transportation (of course you must own two cars to do this!). i currently pay $32 a month for FULL coverage and some extras. it will keep on going down if i stay accident free too, of course. it's not your insurance company's job to tell you you can't buy your dream car. if you can pay the premiums, they sure better let you insure it!........even though their biggest concern is what it will cost THEM to fix your car after a fender bender! keep at it! you'll get it eventually! Andy