Most people my age don't research costs of things... they call up one insurance company for a 1.2 @*!# box and then accept that is the norm. My first car was a 2003 318i - nice car, boring as hell to drive, but cheap to insure surprisingly - £1600 for an 18 year old with no experience or NCB lol a 1.1- 1.4 @*!# box was only about £200 a year cheaper and I wasn't willing to drive any of those - Again I paid the price for that, but was actually £100 a month more than what I'm paying now for the Z, and I was on higher wages but had more tax and expenses like fuel to deal with - A tank 14 work days or so.
So my logic is, I've done it before, and I can do it again Like you say, why not, while I can.
Just gotta wait it out and be patient for once...
You shouldn't just accept that price as the norm , £700 to insure the Zed and I'm 21 too