Mate...
Insurance varys MASSIVELY on the area you live. People saying " Oh im 19 and only paying 20p etc. thats because there Post code has a good rating, they probably have a garage etc etc.
For me to insure a 1*2 at my current address im taking 2.8k with 3 points. if i were to say i was living at my nans house (Very posh area) and keep it in her garage, id only be paying 1500.
Go for a Pug GTI or a saxo VTS (see my recent pug 106 GTI thread).
You may also wanna consider an ibiza cupra turbo (1.8) as these are massively cheaper to insure for me than a clio. another thought i had the other day was the older shape fiesta zetecS which are pretty nippy.
Get a "faster" upgrade (1.6/1.8) as these will be less to insure than a 2.0. then when your 20/21 move up to the car you want.
Thats my plan anyway