Insurance is a postcode lottery mate. When i was 23, the cheapest quote i could get was £3600, and i had to wait till i was 24 for it to drop to £2550. And then i bought the car. (apologies to everyone, i must have posted this fact 5 times in the last few weeks - i wish people would use the damn search button!!!!)
See, i SERIOUSLY wanted a zed - there was nothing else that would have done for me... and i was happy to pay the £2550 insurance. In fact, it made the car seem even more special the fact that there was this 'ownership tax' so to speak. In total in my first year of ownership, with my loan, insurance, and petrol (70miles a day) i was paying out close to £900 A MONTH just to keep it on the road, excluding tax/maintenance, and mods
2 years on and would i pay that now...? No - i've grown up, and im kicking myself for wasting all that money - but in your early 20's you dont give a sh!t about the future... you're just bothered about impressing chicks and your mates, and what better way than to do it than with a zed, right?
One thing i will say though, is if you're buying a zed, but are still living at home off your parents, then thats not cool Get saving for your own place!