insurance companies look at how fast the car can go and crash test ratings and safety like airbags and factory alarms so yeah you would get a break not only in insurance but on gas because the car is lighter and more fuel efficient and a imports idea of 250hp is eqaul to fords 350hp.. u have to look at the power to weight ratio.. like mustang is like 5 to 6 thousand pounds and a rsx is like 1,500 tops now look at that difference and you have vtec so you will get more bang for your buck i think its a really wise decision