Dunno what age you are or what your circumstances are, but insurance groups are more about which cars insurers are even prepared to consider insuring you on according to their own criteria. They don't really mean a great deal however because the car-based risk is more to do with how often that make, model and spec of car is involved in claims, so my old-man 620Ti or S-Type will be cheaper for me to insure than a Golf GTi despite being bigger, better and faster because Rovers and Jaguars are statistically driven a damned sight better than Volkswagens are, and certainly better than anything that's ever had a GTi badge stuck to the back.
I really, really wish I'd listened 10 years ago when I thought I knew everything and older people were being boring, but if you have the luxury at the moment of a nice income and no outgoings, then please please please please please get a normal car for transport, save up a deposit and buy yourself a flat.
Cars are a crap hobby. In winter they're always covered in mud and salt. In summer they're always splattered with insects and bird poo. Every year there's less you're allowed to do with a car, and every year what you are allowed to do costs more. Nobody else gives a toss about your car and despite your best efforts (i.e. all your money) they accumulate door dings and stone chips, and whether you drive it or not it depreciates in value and deteriorates in condition. Driving is made out to be really glamourous, but it's mundane.
Buy a property when you're young and it'll be paid off before you're old, then you'll *truely* have income (but better, as you climb the career ladder) but no (well, minimal) outgoings and you can take 5* resort holidays, buy a car/boat/plane/helicopter/French Maid/pony/whatever with your truely disposable income. Don't kid yourself you have no outgoings if you're still fairly young - you don't, it's just that real life hasn't claimed it yet - which you can be damned sure it will, so get ahead of the game and buy a property before you're tied up in car loans, credit cards, insurance premiums, broadband and mobile phone contracts, Sky TV and all that rubbish.
You never own a fast car. It owns you.
, absolutely spot on, and boring to boot 
