Currently, I own 1997 Camry LE with I4 engine. I'm thinking about buying 1999 Camry LE with V6 engine and leather seats. I checked with my insurance company, and they said my insurance will go up by $240 a year. I was wondering if this is right? Although, I was wondering what would be a good time to buy that car? Should I wait till fall, when 2002 models come out, hoping that 99 models will fall in price? Any other considerations?