Great question (and decent answer Sarnie!), I'll back up what Sarnie said - although my finance is MUCH cheaper but I pay double the insurance. Mine's a daily driver, I sometimes think that she's costing me far too much but then I nip out somewhere and I think sod it, its only money and its not like I would actually save it if I bought something cheaper - I'd only spend it on something else so may as well have a big on my face rather than drive a mundane car.
My finance is so high cos I didn't have any equity in my previous car when I bought the original zed hence I had to borrow the full £24k to clear the previous cars finance and then buy the zed. This used to be £490 a month until I bought the UY zed which costs me an extra £100 now. And is worth every penny