[Andy A.]

Get something from the late 80's or early 90's with the smallest engine you can find. It won't last long, but it might last long enough to get you out of you're teens. Once you are in you're twenties, rates start to go down (as I am just finding out).

Audi anything for a 16 year old is going to be expensive. Pretty much anything a 16 year old owns will be expensive to insure. A junk car helps though, much more then good grades (discounts for grades and such are a very small drop in a very large bucket, so don't count on that).

Remember- Insurance companies don't care if you say that you are a safe driver. It's all statistical, and the statistics are decidedly not on you're side. You are a new driver and they will assume the worse.

Consider a scooter?

-Andy A.