Hi I'm a 21 year old male who is working full time and going to school full time and I also have a trust fund I get money from every month. I currently have about $8000 saved up and I'm putting away $1000-$1500 a month towards my Elise. If you guys were me would you try to find an Elise and put like $15k down and get a loan for the rest or would you wait a year+ and buy it straight up in cash? What do you think the insurance will be like for me? I have no prior insurance claims, accidents, or tickets. I've had my driver's license since I was 18. I'm upgrading from a 1998 Honda Prelude. What kind of insurance coverage should I get on the Lotus? Would I be okay with like mid-range coverage or would it be best to get full coverage if I can afford it? Also I'm having the most difficult time trying to determine the color for me, what color do you guys like the most on an Elise? My favorite colors are Red, Blue, and Orange, but I just can't pick one.. Before I go to buy my Elise I plan on selling my prelude to get a 90's Tahoe or something along those lines because it rains so much here in Oregon. Plus I don't want to drive my Elise every day, for obvious reasons. My Tahoe would be my everyday car and my Elise would be my once or twice a week car in the sun only of course. Any rough estimates on insurance? Anything else I should know?