I'm 18... (Got my Golf on my 18th birthday) And was paying £1100 for it. Fully comp, and it is a 1.4 57 reg worth about £9500. I was on Direct line. I also have 1 years no claims
. However, I didn't tell them my modifications.
But... I have just looked on bell insurance who quote me £1250, and thats after telling them my modifications, and with it being lowered over 5cm. (Modifications - new 17" Monza alloys and 80% window tint on back three windows). So If I was you, I would try getting a quote on Bell insurance - very good quotes!