Hi mate welcome, I'm only 19 and iv got 1.9 petrol and insurance I pay about 1200 a year which isn't that bad for someone my age with a bmw :) I paid 3800 quid for myn its got 86k on the clock and is in mint condion, to run my bm its not to bad depending on how heavy your foot is lol and with the money your on you should be able to run one easy as I can and I'm a new manager at BnQ :) good luck mate need anymore advice give me a shout and like wise to what gav said.. Stick around its useful knowing these older wiser guys :)