I wouldn't buy a package based on the insurance. You can buy insurance with in-game currency for cheap:
"What is insurance?
Pilots in Star Citizen can purchase insurance policies for their ships, modifications and cargo. This ensures that your ship will be replaced and/or its modifications and cargo will be subsidized should you be destroyed in a fight or accident. As in real life, insurance policies must be maintained: you must pay a regular fee in galactic credits (the in-game currency) or your policy will lapse and you will not receive a payout or a ship replacement when your ship is destroyed.
Will this Insurance cost a lot?
Like in real-life insurance should be a relatively small part of your regular in game expenses which will also include paying landing fees, trade tariffs (if in a system with lots of infrastructure and law and order), fuel (if you don’t collect it yourself from a gas giant), buying cargo to trade, hiring help, making upgrades to your ship or even buying a whole new ship.
Some of the additional policies like upgrade or cargo insurance will be rated based on risk levels. Risk level 1 being the safest systems and risk level 5 being the most dangerous system that is insurable for cargo or upgrades. Any risk level over 5 is un-insurable. A risk 3 policy for cargo will cover you for all cargo losses in a risk 3 system or below. The higher the risk level of the policy the more it will cost. As with the base insurance this will not be crippling financially but instead be a reasonable running cost that relates to the risk / reward profile of the systems flown."
Also good info -
What happens if I don’t have insurance?
Your character will have to buy a new ship with any credits he has, or if he doesn’t have enough credits fly missions for a third party (both NPC and player) until he’s earned enough to buy his own ship again.
Will my insurance carry over to ships I earn in the finished game?
No, and you cannot transfer insurance policies from one ship to another.
Also - 10$ = 10000 in game currency.
So, I think the ship that you want is really 99% of what decides the package you want (unless blueprints and ship models and those kind of goodies matter to you). If you dig through their site, there are a ton of packages and probably one with every ship type included. Note: There is a difference between buying a pledge package and just buying a ship. Scroll down to check the "this package includes" to see which are the game packages and which are just the ship by itself. At the moment, I'm thinking the 30$ pledge package to get the game and the RSI Aurora and possibly add the RSI Constellation as a separate ship down the line based on if we get a crew together to play the game.