I dont think you will see any drastic changes in ins from 04 to 05. unless its a engine change or some kind of drastic price change. its peanuts, and if you plan to finance the car you will get a better percentage rate on the loan with a 05. Banks would rather see a bran new car rather than a 04 left over and save 4gs. just a thought.

However I seriously Warn you not to buy a Used STi's unless you are 100% positive of the cars history. 9 times out of 10 if you find a deal to good to be ture it is. if you need to get a 04 for whatever reason get a left over. there are plenty sitting on dealer lots just waiting to be driven home.