You won't get cheaper than Just Cars in your situation. Yes imports get hassled a bit more by the police, but in saying that I've never been pulled over. A lot of it comes down to how you drive and your driving record. Rating 3 is based on how many years you've been driving and how many claims you have. You start off on a Rating 6 and it gets better from there. Fuel consumption is pretty crappy, much like any other 6cyl.