I like the Si for it's reliability. The MS3 is more performance for what you are paying, however I can't stand the looks and I don't know... the boosted engine + reliability I don't really trust it. That being said, I'm suprised insurance is a problem. Here in Toronto, the Si and MS3 have higher insurance rates than the Z. I pay double for my Si vs. my Z, because the Si is a younger persons car in general.
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