I honestly can’t reason nor find logic in paying more for insurance than the cost of the car. (Or near it anyways)…
I’d honestly just save up that 10grand/year, call it a day and invest it in stocks (provided you know how), and buy a ****en P-car when you’re 25… that’s my plan anyways. There’s no way I can justify paying 25-30% of the car’s value, per year, just to insure the damn car. ( 2004 3-series) No matter how much I love cars, I’ll be wheeling around in my parent’s cars, till I get the damn insurance break. :o 
Who says purple-accords can’t get girls? 