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I agree. I had my first ST at 19 with 2 years no claims and it cost me about £1100 (converted from 1550 euros as I live in germany). I am now 20 with 3 years no claims and the cost has fallen to 1411 euros a year. I have no idea what sort of difference there would be between english and german insurance groups but hopefully that gives u some idea. When i was 18 i had a sportka which cost be 1850 euros to insure and my first car at 17 was a ka and that cost me 2300 euros (£1550) for the year. So you can see the difference as the no claims begins to build. I think that £940 for my ST now (at 20 years old) isnt to bad a figure.
i know some insurance companys if you limit the annual mileage then i think there is a saving,and as i say lift your excess up,also non drinkers and non smokers save a little,i found adding the wife to my policy reduced the premium a little.
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on my 2nd st.