How old are you? <18 insurance is going to be awful, especially on something with “speed” in the name.
That said give Alliance Insurance on Dick Rd in Depew a call and see what they can do for you. When I was young and stupid in the higher risk pool they were always able to find me much better deals on insurance than I could find on my own.
As for snow, when I was going to college at Buff State I’d make the drive up 81 to visit family quite regularly. FWD tercel with all seasons driving over the tug hill plateau on 81 and they set the records for snowfall in NY pretty much every single year. Never stuck, never in the ditch, driving in whiteout conditions more times than I can remember. Unless you’re driving like an idiot there is no reason to “fear for your life” while driving in the snow in a fwd car with decent tires. Out in the Rockies where you might get 15 feet of snow in a single storm, get buried, and die of exposure maybe… but not here in NY.