Maybe I am being smug (or just a hopeless optimist) but this actually works out better for me. I already have 5 cars currently insured (just got a new Fiat 3000 miles ago). My wife was already grumbling about the Elio (less driveway space for her car) and times are tight right now, so who knows in 16 months (optimist again) I might be in a better position to house and insure yet another vehicle.
When Paul hands you lemons......umm and you find someone else to hand you water, ice, sugar, and maybe a pitcher and some straws..