why don't you get a cheaper car? You have a 06 pignose from your icon, that isn't exactly cheap - you could get a gc8 wrx for under 20k and its a better car :P

or an 01 02 sti for under 30k!

in any case you MUST get 3rd party, it would be 200 a year or so. then you can crash into a pole and not have to come up with 15k for it or that porsche etc..

put it this way, that guy hit you in the arse, if you had then rolled into the car in front of you that would be YOUR fault, as you didn't leave enough gap :P Think about that.