Mike:
Don't let insurance costs or anything else stand in the way of achieving your dream. While it might not happen right away or even when you turn 16, don't lose sight of driving your Dad's replica or even owning your own.
I was 14 when I fell in love with Pontiac GTOs (one of the hot cars of my youth). It took me 27 years to finally get one, but the wait was worth it. Take a look............
http://www.clubcobra.com/photopost/s...cat=500&page=2
The great thing about our country is that if you can dream it, you generally have the opportunity to achieve it. You just gotta' be willing to work for it. Stay in school, stay off drugs and outta' trouble, work hard and buy yourself a Cobra.
It can happen.