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The answer is always Miata!
Civic, CRX, Integra GSR should also work for you without breaking the bank. Tough part is to find a clean one to qualify collector plate under $5,000.
You already answer your own question about how much insurance will cost you a year on a collector plate.
If you are not using collector insurance, basic insurance should cost you around $900~$1200 a year in lower mainland with full discount. And you can still drive it to work/school sometimes rather than you are not allowed to use collector vehicle for regular daily commute.
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