good luck with what ever you choose to do, but to be honest, if u havnt gt any ncb then you are gona wana build them up asap other wise ur renewal will NEVER drop, id settle 4 the corsa on 3rd party fire n thief 4 a year or two then move up (insurance would be about a grand with ur mom as a named driver), cos 9 times outa 10 a new driver is gona crash, bas n scrap there 1st car, if you want power then try getting a toyota starlet there 1.3turbos, so ther fast and cheap insurance, however there imports and f**kin ugly!!!! lol,