You will be amazed what you can get away with before you void your policy one "stock" car in looks wise this is mine £2k a year insurance as well but im 19 buy rolled my last micra
also has some minor interior mods paint can go a long way js
I know your pain...Im 42 and its cost me1k to insure a 1.0l Had m/c for years and no car. The companies are rip off. Although i did get qouted 2k from one insurer