At the end of the day its your choice. I would personally never joint own a car with my mother, or any other family member. Id rather get an older one and have it to use when I wanted.

Ford priveledge is only available to people who's family have connection to ford or work for a ford owned company (where I beliebe ford have to have at least a 45% share)

As far as insurance goes then you'll need to get quotes yourself as I'm not an insurance broker.

For how much you'll get one for that depends on what sort of deal you can strike with a dealer.