Hmmm, tricky this one.
I'm 18 and on a 2001 Fiat Seicento Sporting, I had to put up with £1.8k, living on the outskirts of London.
If you can, do pass plus. I can't remember where I read it but apprently, over two years, the difference can be as much as 30% (Don't quote me on that, though I think it's not too far off the truth!)
Best bet, is to go on somewhere like autotrader (Who search multiple companies) Pick the two cheapest companies, and set them against each other to try to lower it further. (Some may not quote though!)
Remember though, quote online, then ring the company. You can blag a further discount on top of that 15% online one most companies offer!