Why do people in the US waste money on car insurance?

"So he feels I would like  insurance "Is there insurance for imitation automobiles(EX. Replica Lamborghini Countach). OR can you only tell the insurance company the donor car used to develop the Imitation(EX Pontiac Feiro)($3-5K) So they cover only the automobile used and only treat the replica kit as only additon material(EX like adding more exspensive WHEELS to your VW). Will be the imitation insurance cheaper a real vehicles insurance. EX Replica Lamborghini Countach($25K)(V6 EngineHello im 17 years of age and iam finding my vehicle. i was questioning the expense of the insurance (i've noticed it's really expensive[only wished to confirm]) could anyone give me a good appraisal?
I'm not 18 years young and I only ordered my first auto and have no driving experience. Amount anyone understand whatis essentially the most income I'd need to purchase  insurance ?
"Right now I am shown under his  insurance  like a Minute DriverVan Insurance advice please?
"Aviva may be the firm that offered me a cheap car insurance price. I'd prefer to understand if Aviva is truly a good firm togo with