Dude whats the rush to have a fast car? The whole reason early insurence is soo high is because your not experience enough to drive powerfull cars. Also on your mums insurence you wont be getting no claims bonus, which will give you a massive discount on your insurence as time goes. If you want my opinion, and this is what I did, get a shit small car to start, just get yourself some experience and some NCBs under your belt. example, me. Ive been driving 4 years, nad have 3 years no claims (1st year under mothers name) Just insured my car again, 1.6 C reg Escort. £310 fully comp. Yea its not fast, or amazing by any sense, but it does the job, is exreemly cheap to run and leave me alot more money each month to spend on having fun, and preparing a decent car for when I can afford to insure it. Ive seen too many people get a fast powerfull car to start with, use 90% of their pay check to insure it each month. They then cant come out with friends very offen, and most of them end up writing the car off because they werent experienced enough to handle it. Take my advice, get something under 1.5l so you get cheap tax and insurence then when your older you will have the no claims to insure something monster. Also if you have a cheap car and do have an accident your more likely to be able to affford to skip the insurence and pay out your pocket, thus saving NCB