Any of these are nice for a 17 year old! I was lucky enough to get insured on my mums 120 back in the day and it wasnt cheap! Having owned and insured a ZR 105 and a ZS 120, I would say your old man is right in terms of costs but the ZS is a much safer car with side airbags. I know you are after a 110 but the insurance was virtually the same for me when i was running quotes.
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