I grew up in a big city (unfortunately). I could not get my own insurance (too young) and needed to be on my mother's policy. There were sooo many cars I wanted to buy, but GEICO refused to insure them. All of the cars used. A '66 Chevelle 396. Not a Super Sport, just a plain Malibu, with Powerglide, PS and PB, bench seats. Even had the original wheel covers and quiet exhaust. Never saw one, or even a mention any were built like that. I looked it over and it wasn't one someone just threw the engine into. The price was very reasonable. GEICO said no. Then the brother of a friend with a lot more money than I had was selling his 426 Hemi Cuda, with A/C, PS, PB, 4-speed. That one broke my heart.
No garage to keep it in until I was older. What was my first car? A 6-cylinder Nova, three on the column with zero options.
Then I met my wife. A year after we married, I turned 25. Now insurance was reasonable. They were major criteria for reasonably priced insurance then, no tickets/accidents for the last 3 years, 25, and married. Bought a bunch of so-called muscle cars, which are now a joke considering the fastest one I owned did 60 in a slow 6.5s. I'm spoiled now, anything I buy now needs to be AWD and at least as fast as my R. I plan to keep my '16 for about 4 more years. Maybe VW will build a nice hybrid R with 500HP.