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patience is a virtue. Unless you're making more than $1500 a month $380 on insurance alone will kill you. I strongly suggest buying a car/ truck that you can insure for less. Then buy the car you want in a couple years when you have more spare time and make more money. Even if you can cut insurance down by $100/mo by buying an old ranger or something, you saved $1200 in a year... that's a set of decent coilovers. Plus once you go accident free for a year, you can shop around for drastically cheaper insurance, and put the money you saved buying a cheaper vehicle+ the money saved on insurance and buy the car you want. i mean seriously, that's damn near $5k just for insurance for a year.
You've lived 24 years without a kouki... one or two more years won't kill you.
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