Hi there, I am 20 (21 next month) I suggest try admiral using their online quoting system. I have found a number of ways to get the quote down:
1. Add 2 older drivers, one female, one male. Ideally 50+ with full ncb, no recent claims/convictions. add the female one first.
2. If you have 2 addresses (I have home and uni) then put the address where you are not usually at as your main address (in my case home), and there is a part that says "location where car is kept" in this box put the other postcode where you keep the car the majority of the time (in my case at uni).
3. Milage per year - its a guesstimate so try knocking a few thousand miles off. I put 5000, which is actually probably an over-estimate for me as I dont use the car all that often as im a uni student living right next to campus.
Doing these will knock a huge amount off your quote. Last year when I was 19 insuring my saxo VTR (0 ncb, 2 fault claims (1 write off), 5 points) i knocked off about 700 quid doing this. Will be doing it again this year on the 1.8T and I can't see any other companies coming close.
I did some test quotes (put my date of birth back one month so effectively making me 21), and I got around 1100.
Try admiral, elephant and bell direct. They are all the same company but the quotes can differ.
Hope this helps,