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If you're paying $450 (US or Canadian? either way) for a 97 Prelude, it's daylight robbery - I read you were 18, so perhaps, but still. In your insurance options, can you not just opt for '3rd party' insurance, coverance Jo Smo if you hit him, but to hell with whatever happens to your car? These bare bones policies are the cheapest you'll get and I'd say for an 18 y/o around $200 max.
Car gets stolen - so what, buy a 'new' one with the $2-300/mo you saved with the bare bones policy.
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