Dude I'm 19 and there's no way I could even afford to insure (let alone run) a GT at the moment.. I'd build up some no claims on a cheap car and go from there, I don't think it's worth the hassle and extra money getting insured on a Turbo yet.. There's a lot of N/A owner's like myself who are building up NCB before moving onto the turbos, unless you're minted that's what I'd advise too Anyway good luck sorting it out whatever you decide mate