That's not too shabby of an insurance policy. I presume your car is stock though, right? I'd say wheels, it really changes the apperance, but if you go to 17" or above your car may look a little too high, but that's just my opinion. Other than that I'd say upgrade your suspension if you have enough, the Tokico spring and shock/strut combo is pretty affordable, although I think the lowest priced Tein is the way to go. This way it's for both looks and performance. If you have a bit left over get some tint and call it good. Nitrous is a waste.