owned a 1800 zetec for last 4 years and thinking of changing it for a ST

being to see one today but it was a 4 door so wont be mine!!!but do they all have a 6 cog box and 1/2 leather? or are they options ???? the one i looked at today was a 03 reg silver,so need a bit of guideance
also was it priced right at £12 with 11k on clock?????? and how much can i expect to pay for insurance!!!!! 1800 zetec 3 door is £340 f/c with max no claims and iam 35
thanks paul