Forget 4x4 unless your going too us it for that, Try an estate much cheaper when i first passed i got a pug 306 td it took me everywhere and back again decent milage for a £10 but i paid about £120 a month for that when i first started out,
I got a driving ban and now iam paying 118 a month for my berlingo van... If i was you id try and get anybodys insurence, Tell them you do 2000 or under a yr, Try and get a drive built, and make sure its for soical use only with no extras ect and see how you go.. And tell them you'll pay max excess and you things worth about 200 quid
Iam paying a f