The trick with this is to go for bell/admiral/elephant,

What you need to do is put your parents on as named drivers, for some reason this brings your premium down 100s . They will not be effected if you are to stuff it into a wall as its your policy.
Also put the excess as high as you can afford .. You will not get it cheap but you will get cheaper than confused etc !.
Im 20 and getting a mk1 rs in a few months and its down to £900.

Drive sensibly and respect the road and the rewards will gain on you