It has the 16" 5 spoke rims there nice as hell As far as insurance im 22 the GT would of ran me an aditional 1575 a yr witch i can't do. Plus i was on a budget i had 7gs didnt wanna finance more than 6000 and i had i needed a car w/ a long warenty got it til 2009 100000 miles As far as -5 speed i gonna d b-driving to nyc area for my job so the locals know what kind of trafic the LIE has during rush hour