Im 19, 0 yrs NC, did a lot of research before buying. All of the specialist (Adrian Flux etc) quoted me upwards of £3500 for a Mk2 GTi, Went to Admiral, paid a straight £1000. Very happy.
Remember to put a few "responsible" named drivers on your policy. I added my mam and dad who both have full no claims and it brought the price down by a good £800. Even if they never drive it.