how you doing mate
im 24 have 0 ncb , licence for 7 years (still clean) and my insurance is 730 fully comp and i also have my missus on it as a named driver although she has 8 1/2 years ncb and over 25 it is still based on myself , in saying this i have 3 years ncb from being a sole user of a company vehicle.
All im saying is go to your local lexus garage test drive one and by the time you get back to the forecourt you'll be itching to get that registration doc signed cos thats what happened to me !!!!!
i now know 4 guys local to me who have seen and drove mine and have now went and bought one, the car has speed , looks , comfort, tuning potential and s**t loads of street cred !!! plus the girls luv em but sssshhhhhh dont tell my missus ive been checking that rear view mirror once to often !
so all im saying is BUY a damn is200 any model any spec to get you on the stepping stone , im now considering upgrading my model to a sport one next year or even a new 200/300 depends what house me and the other half decide to buy !