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Remember that some insurance companies won't touch young drivers ie those under 25 on high insurance group and large engine cars.
If you live at home then it may well be worth your while seeing if adding the 'rents to the policy will lower the prem. Also if they do have to drive it they are also covered fully comp. Also how many miles are you going to do in it, what your going to use it for ie to a place of work and what your job title is all makes a difference. I don't do a lot of miles so that reduces my premium. There is no point in saying i'm going to do 10,000 miles when you know your only going to use it every other weekend and clock up 5,000.
I got a good deal with Admiral (which are the same company as elephant) but my sister got a better quote with elephant and she is 21 too and that was on the Z4
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