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How much is the ticket? $150 and a point. How much does the point cost on insurance? At your age, prolly $20-$30 a month, and that for two years. The $250 Jensen ends up being $150-$300 cheaper than a single ticket - and c'mon, dude, you got enough together for a Chevy new enough that it'll talk to your phone. I get your point about being poor. But there's also thinking poor. "Thinking poor" is responding to helpful advice by arguing you're too poor to do anything but suffer while driving around in a car new enough to have a USB port.