I was somewhat in the same boat as you are in. I am currently 21 years old and have had my 370z for about 10 months. The only difference was I came into some money (family reasons), and sold my previous car (which I personally had none of my own money in). I put it all towards a new 370z and paid it off and came out with only having 16k of my own money in it. My dad insured the 370z under his name, and it cost only $1000 a year. I read where people were talking about insurance being higher in Canada? I can't imagine it being that much higher.
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