I got a quote from Admiral of about £900. 22 years old, 3 years driving, 2 years NCB. I decided to add it to my MR2 policy for £60 a month for a few months.

I really can't believe you young 'uns will pay that much. When I was late teens / early 20's the most I could afford was a MK2 golf Gti (1500 quid a year in the first year was cheapest I could get - 7K was the most.) which i then crashed (and had several near misses). Anything quicker and I'd Have most likely done myself some damage. All my mates that had anything quick seemed to stack them big style too…remarkable none of them were badly hurt. Funny why insurance is high for young drivers isn’t it? Anyway my advice would be to get a cheap car for around a grand that costs peanuts to insure, save the money you would have spent on silly insurance and buy a quick car with no finance when you’re over 21 or 25. Believe me I know how fraustrating that will be, but it wont be that long – honest! I'm not having a go at all - I was 18 once!

How much do you earn at 18 these days – how the hell do you afford to buy, run AND insure a coop turbo?

Yea, I made the mistake of getting a loan for a car, still paying it off now, car has long been sold! I think anything up to £1500 is acceptable to pay on insurance for most cars, although I was paying 2k a year on a highly modified (engine, not stick on parts!) mini, which I thought was acceptable, but was hard getting by when paying that much.

I've always had pretty quick cars, however I'm of the mindset that its the driver that causes the accident, not the car he/she is driving.

I agree - but let's face it, young and very capable driver and a quick car with a few mates in it or convoying with friends in other cars on a nice wet road(time to show off)= accident waiting to happen. Been there and done that. Young and capable driver in a 100bhp car = probably crash it doing the same, but unlikely to kill anyone in the process.

drop out of uni and get a job, it worked for me

I'm 22 and all of my mates live in poverty, drive rust buckets, and hardly make ends meet while working 2 part time jobs and studying full time something which will never directly benefit their choice of career...

I agree *he says as he adds his weight to the pushing of this topic from its original course*, didn't bother going to uni and am much better off for it then those around me that went to uni. I can clearly see that most of those who went to uni have no real world experience, which probably comes through in interviews. Degrees help in certain specialist jobs, but not the majority.

I'll be proved wrong in 15 years when I'm still in the same job role and my mates are all CEOs.

Have you tried Bell insurance? They're part of the Admiral group but specialise in lower NCB and came out £100 a year cheaper for me