Today I have calculated 2 cars the insurances. My Astra, which I have had since 2011 just as well and then as if I had bought it now used. HP ~200€ HP+ TK ~300€ HP + VK ~ 400€ difference. With nem Insignia 2022 the difference is not so big but also there. HP 56€ HP + TK 95€ HP + VK 135€ The most convenient thing to do is to buy a new car.