Paid cash when I bought it and my insurance costs me $30.00 a month.
When I go out of town and need a new car, I rent a nice one from Enterprise.
BTW, my friends at the police station laughingly tell me my truck is unlikely to be stolen. Car thieves nowadays can't drive a straight stick.
My 01 Ranger has the same anti theft device. 4.0 liter 4wd 5 speed with 161,000.
1991 Toyota 4x4 truck here. 265000 miles.
Found the only one on the lot with a manual transmission.
"Millenial anti-theft device" we call it.
Plus, it's fun to hypermile by shifting into neutral down every hill. Averaging about 43-44 mpg.