It is important that the player gets an insurance too. It’s expensive, but it’s also worth it in the long run for reasons that’ll become clear.
The second objective of the player is to get a good gun. The online version of Los Santos is a wretched hive of scum and villainy, and is not the sort of place the player wants to walk about armed with nothing but a semi-automatic pistol. He can improve on his armory if he earns enough cash.
The next objective is buying a garage because it is where he would store his car heists, and he really needs to do that.
The player can build up his reputation in a variety of ways in the game. If he is a confident driver, he can annoy the cops and then evade them to slowly and steadily build up reputation.
He just have to make sure that he does not hit more than three stars unless he is really that confident as he would end up wasting a lot of time trying to beat the heat.
Doing jobs and generally helping fellow players makes a player a ‘good sport’ and will inevitably earn him a Rep and bonus cash.