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a Cobra will most likely rape you on insurance, I got a quote for a 97 cobra with about 51k on it and it was about $300/month and I have a totally clean record, I'm 18 btw.
you can only be on your parents policy if you going to school. once you turn 18, the insurance companies will not cover you unless like I said, that you are in college.
300/month is ridiculous. give it a few years and try again. Mustangs are nice, but not if you're broke trying to pay for it.