How to extend my car insurance?

I’ve been wanting to get an electric vehicle for a while now, so of course, I’m looking at Teslas. I’m worried about the crazy depreciation people are saying EVs are subject to, though. What’s depreciation like on a Tesla?

I know young drivers often pay more for insurance because they’re inexperienced. But, I’ve also heard that older drivers can see increased rates. How old does a driver need to be to experience a rate increase?

"I want to buy a $10,000 car. I have $2,500 for a down payment, but at the end of the month I'll have $5,000 to put down. Putting $2,500 down makes my payment around $200 a month, while putting $5,000 down makes the payment only $125 a month. If I buy the car with the $2,500 down payment, can I lower my payment later by paying the $2,500 lump sum a month later?"