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Im 24, no accidents ever...or speeding tickets...and I have a 93 base model hatch. I have State Farm, and have for 3+ years. I pay $76/ month for moderate full coverage AND a $50,000 life insurance policy. They give you a multiline policy discount. I would pay $74/mo without the life, but ..add the life ($11/mo), and my monthly drops to $63/mo......plus the $11 for life.
My advice is to make friends with an insurance agent..and they can possibly hook you up (put down you have an airbag, base model, etc..)
M
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