Not to take the side of a sleazebag dealer, but why didn't you check out the insurance issue BEFORE any ink was put on paper? New car dealers rely on one thing, especially when a younger buyer is showing drool. Once he/she drives it, the deal's 90% done, no matter what happens next. And the younger buyer JUST CAN'T WAIT to show off the new wheels around the 'hood.
Gotta slow down when you're making a 20K decision.
Uncle Ron.
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Good s**t happened.  69 was worth the wait.
'92 stock semi-pristine ebony - 160K
'96 Grand Caravan - 240K
'01 Miata SE - 79K
'07 Chrysler Pacifica - 60k - future money pit.
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