I think the most important sub-topic here is that his young man is right in line to receive many of the same lessons we all learned at his age. Chief lesson being, HOLY FK CARS ARE SO DAMN EXPENSIVE. Saying that you can't afford full coverage insurance is ridiculous. What you really can't afford is NOT having full coverage. What happens when a deer runs you off of the road and you have to write off your ZHP/m3? You are risking thousands of dollars to save hundreds.
You are a kid and you want to make you car dreams happen. I'm trying to educate you and stop you from turning it into a nightmare.
Get full coverage or get a cheaper car.