Not trying to be harsh in any way, but if you're trying to pass off mere weeks of driving a couple of cars with no more than about 190bhp, this has simply clarified that you really do not have a lot of experience at all.
Thanks for that Yoro. Your opinion is very important to me - so important that i've filed it away in my "People whose opinions i couldn't care less about" filing cabinet.
The insurance want to make you pay that much, simply because you represent a big risk of bending the car and/or someone elses car/property at the same time.
This is where that whole "experience" thing comes in i was talking about.
You don't think every single one of us has justified getting a fast car by saying something like that? A fast car can get the better of you very easily, and it can lull you into a false sense of security then suddenly bite you. Trust me, most of us have been there. We've all been "fast learners" and promised to our partners we won't drive quickly or that "we know our capabilities" etc etc.
I'm sure you know how to drive a car just fine, but you do not have the experience to handle a 300bhp RWD BMW safely. And let's face it, you aren't buying a 335i to drive slowly around in it. It's very difficult to explain, and it isn't anything to do with your age, much much more to do with your experience levels.
How long have you been driving by the way? I'm presuming you either haven't been driving long or that you've passed your test, had your licence for a while, but then haven't had a car so have almost become deskilled to a point.
Believe it or not, the only alternative to a RWD BMW 335i is not a Nissan Micra. There are plenty of cars out there that have a decent amount of power, and will serve you well for a couple of years, until your insurance falls (which it will do - rapidly as soon as you get some decent experience). You'll be 25, hopefully have 2 or 3 years experience under your belt and 2 or 3 years NCB and the insurance will be much much more reasonable. And more importantly, you will have some experience in how to control a car.
Good luck with keeping it that way with a 300bhp car. It's difficult even for those of us who should know better.
I genuinely wouldn't even bother going for a 320d. The 335i is the one you want, and i totally see why you would want one (
). Just get a cheap, decent car with a bit of power now, wait a couple of years and pick up your 335i.