New driver.... Which mustang to get...

[Eo2k1]

Hey,
I'm 15 still currently and will be 16 here in a few short months (I have them counted down to the day, lol). I'm looking to get a mustang as my first car. My parents would make me pay for the thing myself, which brings me to my dilema. I really want a 1995 model of some sort.
I have a chance to get an '89 Convertable Mustang (red) w/ a 5.0 liter engine all for only 1,000. It has 90,000 miles on it.
Anyway, I can't decide which one I should get, I really would prefer a non-convertable type mustang, and i really dont like the 89 body style so i'd prefer the '95, but the 95 would be considerably more to buy and considerably more on my insurance bill. So my question is, what do you guys all think I should get, the '89 or a '95.
If you say a '95 any suggests on waht specific model to get?