I insured my rst at the age of 23 for 350 quid...

ok it was 1995!!! lol

my advice would be to stump up or wait and run around in something cheaper untill your no claim and age build up, it's what we had to do back in the day..
me and my m8s had to run round in orion ghia I's as an xr3i was too expensive to insure!

steve