He seems to manage to get insanely low premiums for his age. His RS Turbo cost him 880 a year (which isn't much more than I pay for my MX5 and I'm 10 years older) and the WRX is only about 1300 a year.

And that is with at least three points on his licence! I don't understand insurance.
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Remind me to change my signature to something more interesting someday