One of the reasons I sold my altima was because I wanted a newer car. If I wanted to keep fixing stuff i would of have been left with the altima.
Next, I NEVER made car payments, even on my altima. And I plan to do the same on the civic. I'm almost there with the money, I just need a couple more months and I'll have enough. On the altima my insurance was $98 a month, hopefully with the civic I hope it will be around there. I'll be upgrading to a better car that has a stick and that wastes less gas and is less problematic.
Well, when you are 17 and first get your license and live in one of the states with the highest insurance in the country and the least options for insurance then there's nothing you can do about it. It has very little to do with the car.