Well, my insurance runs just 300 dollars for 6mo on my 1991 VW. Its from GIECO. As for getting a Drivers lic. Things may have changed a bit on that since 9/11. The test is simple, the road test if they make you take one, is simple as well. You will kill a half a day at the DMV, but you only have to do it once. As for cars, gee's just about everybody and there mother too sells them. Your best deal will be on a 10 year old full size car, the ones like mine, its a Diesel is going for premium prices. You sould be able to find good cars for what you need and not have to spend much. What ever you buy, make sure, that its in good condition. What you want is somthing that will run, and not cost to much if somethings need repairs.