(not a spoilt brat either, as i pay everything my self, as have a pretty well payed job)
but i wouldn't of recomented you to get a spanking new car as first car as more then likely will crash, no offence.
i have a 02 plate ford ka and crashed it, nwt big just bumped here and there on curbs and bollards as such, and destroyed the body work as was still not used to driving.
but any way am 19 and have almost 2 years no clams under my belt,
on my first car my insurance was 2900 on a 1500 car :S, and now on a 13k car it is 1500, now how does that work.
but you can mod ya car, nwt big just get a nice set of alloys and that will no affect your insurance one bit, as long as you tell them you have them on, but that only if you already have alloys standard.
debageing and dewiping does not affect your insurance and make ya car look that little bit nicer, as well as HID and LED lights, just a few little things that make a big difference, and don't affect the insurance.
also have a look at pressed plates mate
hope this gives you a few ideas
), ipod connection, debadge, small stuff like that. Maybe a bluetooth kit as well. Makes it your own while keeping them onside lol. Basing this on the only things from my car that my mum has ever wanted as well, but that said she's a bit of a petrolhead so maybe not the best assumption!
regarding bluetooth and iPod connection - the Match trim comes with them both with steering wheel controls too 
indicator and halogen bulbs will be top of my list when I get some money!
Insurance is a c**t but just tell them about the wheels, wont affect the price as long as they are less than 2" bigger than the standard rims which are probably 15s? Happy Poloing! 
