Thats interesting I'm with Admiral, with 1 YNCB and paying £530 and i'm 21. Always though Admiral were good, however where did you go?
Adrian Flux £400 all mods declared and covered £150 and I can lower the car as much as I want to and add more mods. Admiral are £600 few mods allowed and £250 excess I think it was. They are okay with basic mods anything more they screw their nose up, they got shifty with me when I said I wasn't sure how much the car was lowered and would have to ring the garage who did it the guy said I would just come back and lie about the ride height I nearly hung up!
They were fine 12 months ago when I took out the policy .
Anyway Scott I think you have made the right move wait a bit longer and you will be able to make a bigger step up on the engine size and be able to afford to go out and have a life as well still!. No point getting a car only slightly better and then in a years time changing again and forking out loads for insurance and being skint.