Hi and welcome to the site.
Yes, you can get parts, but not at NAPA. It will be at a suby dealer, or you can get parts online at subaruparts.com and a couple of other sites.
As far as insurance, I am not sure what the younger members are paying for it, but I know if you start getting tickets, it will go up higher than your wallet will.
Good luck and you have come to the right place to get questions answered. You can do searches on topics and get many answers to your questions that way. Good luck and you will love the car. I love mine!