Well for gas milage I think I can get aroound 20,reliabilty wise its been good to me,had it 5 years and the only work I had to do was an alternator($250),a clutch in 06 and recently a tranny rebuild but thats from another issue, and the factory cd player quit,bought a nice Kenword that has hookups for my iPod and a usb connection for a flash drive that i got the cable running into the glove box with 4gb drive in there for more music.Now as for insurance you definatly need to check on it,Im 32 now and only pay $110 a month for full coverage in TX,but back when I bought a TA in 94(A 92 model and only 18) I payed $290 a month for insurance and $260 a month for the car...ouch.And yes my record was clean.In tx insurance dosent start to go down for males until they reach 25,women 21,why I dunno.For liabilty should be around 60ish-70ish a month...But these are prices in my area of TX.Dont forget that insurance prices are not only based on the car,they are based on your area(Hurricane,Tornado,Flood prone),your crime rate in your neighborhood,and your credit rating.If your have a low rating they consider you a high risk...lol,BS and will jack up the rates on you,believe me I know,had a divorce a few years back,she screwed my credit and my premiums went way up.Also color can contribute to insurance cost,for some reason any car that is painted red is more expensive in TX,again I have no idea why.Now this doesnt really pertain to the stangs,but they are also Fords,my dad had a 02 Ford ranger with 240k miles on it no problem,and my mom had a 99 Taurus with 225k miles and neither had any work done except for the norm...brakes,belts...ect.And my wife has a 1970 F100 that shes just starting to rebuild(grandfather gave it to her...1owner truck) and it has 380k miles on it without any major work and yes it still runs without any probs.