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just giving you a head up when i priced out the insurance difference between a 2014 frs and a 2014 brz it was about 480-500 difference annually. I ended up going with the subaru brz because it was cheaper up front and in the long run too. I'm paying around 2000 annually, full discount, 2 mil liability, 600 collision, 500 comp.
I would highly recommend lowering your collision deductible. You don't have much driving experience and i think it would be a wise decision on your part. To each their own though..
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