Stick with ST or Go GT?, Problem is im only 21 in uk the insurence will take my pants down Options

[nyawton]

Hey guys got a bit of a tough choice to make soon,

Well about me,

Im 21 & currently hold a full Uk licene with 0 years no claims,

I managed to get insured on a 1.8 st for £1800 (altho i upgraded from a saxo 1.4 so diddnt pay the full £1800 in one go, but thats another storey)

Well soon its coming up to my 1 years no claims so i could just about to get a GT,
Renewal for a 1.8 st = £1200
Upgrade insurence to GT = £1400

My whole aim on this is to get a car worth doing up, full body kit etc, I cant do much on the engine as this will boost insurence thru the roof!

What would you guys do in my position? Hope this makes sence

Cheers

[raz128]

Which insurance company are you with, nyawton? Have you tried Dorset Insurance Group? they're do discount for the UK celica-club and were also able to do a great deal for me in the past.
tbh, for the extra £200 on the premium, I'd go with the GT.
The GT's gonna be more enjoyable to drive than the ST because of the extra power and there's not much you can do in terms of engine-tuning on the GT let alone the ST, so insurance hikes won't really be much of a concern.
Where bouts in UK are you?