used to own a crz for 1 year.
good handling car and cheap maintaence as it share most part with City TMO.
Just dont expect performance from its 1.5 cvt. if you can live with the impracticality, then go for it. but buying another car to accommodate CRZ is a bit awkward. your NCD 55% is only applicable for 1 car. unless you have 2 55%NCD. if i were to spend 1.1k on monthly installment, i rather go for civic ketam.
Current market value for CRZ is 50-55k for 2013.
Last two years i traded in my 2013 for 38k. that is some thing for you to consider to buy used hybrid and further down the road, when no loan can be applied, the resale value will plummet even lower.