I totally agree. I never looked up insurance. My car was paid off and on liability only(VA required minimum).
I doubt California is much different than the federal towing regulations. In europe, you can tow a small camper with a yaris, in canada a small utility trailer, is us nada.
Can you put airpags on a subcompact? Thats a good idea cause stiffer shocks/springs make for a harsh ride when not loaded down.