more than likely you're making a bad choice for a first car. they suck bad weather.
Umm. Depends on how stupid the driver is. I drove my 98 trans-am in ALL types of weather and never had a single problem. In fact, the one time I got stupid in a snowstorm, the car actually saved my butt. I had the traction control option and when the car entered a spin at 55mph (midnight, snowing, tried to pass a slow truck and hit some ice), the traction control had the car straightened out before I could even THINK "oh crap". I never relied on it to save me but the one time I needed it, the TCS totally paid for itself in less than one second.
F-bodies '94 -'02 are only dangerous if the driver is BOTH untalented AND stupid. Drive them with respect and put decent tires on them, and they drive just fine even in light snow.
As for the OP, why not just get an insurance quote? They're free. If they insist on a VIN number for an exact quote, just use any VIN number from the same make/model/trim version that you are interested in. Also, I recommend going for a '98 or newer version. If you get a decent insurance quote, consider the V8 as well. Drive it cautiously and take a driving course to learn what to do if you get too happy on the throttle, and it'll be a great daily driver.
My '98 Trans-Am got 30mpg on the freeway and was still putting out 50hp more than advertised spec after 11 years and 140,000 miles. So don't be afraid of the f-body cars. Get the V6 if you need to save a bit of money but I still recommend trying for a '98 or newer model if possible.
And the traction control (TCS) was worth its weight in gold. Highly recommended, but it's only available '98 and newer.