I dunno if the insurance will be as high as everyone reckons. When i was 19 (now 24) and just past my test, getting insured proved to be odd. It was gonna cost me 3k for a rover 400 1.8td. So i started to ask for stupid quotes, like a quote on a Ford Mustang Saleen 4.6 V8 special edition lhd. The quotes i got back ranged from 1.3k-1.5k. Very odd indeed, now i've got a lexus and the insurance is cheaper than the rover, around 1.7k cheaper to be exact, with no no-claims. However i do believe that your post code makes one hell of difference in the insurance quote as well.