3 points and a fine wont affect your premium to much as long as u stay with your existing insurance company. when i was 17 i had 3 points and it didnt effect the premium at all, but that was like 10 years ago
I got an s15 now. Handling is quite good doesn't always go sideways. Running cost is ok 300 miles out of a tank of mixed driving. Servicing cost is not far of the ek9.
It's a totally different car, not as raw but alot more torque