i'm 17 years old and about to turn 18 in november. I have been in a car accident once so my insurance has gone up a little. I been thinking on getting this Dodge Charger for cheap for my first car, its a 4door so I heard it is not considered a sports car? and its not a RT or a srt so its just a regular model. do you think my insurance wold be higher than it is now or will it make no difference?