Quite simply its all about risk (for the insurance company)
You havent given full details but heres a list of some of the things they take into account
Fabia VRS 1.4 DSG insurance is especially high group 27 (our new high spec Superb is group 19, our fabia 2 1.2htp is group 2)
Any modifications or extras
Your age
How long you've had a full licence
Where you live (to do with insurance claims associated with the surrounding area)
Your occupation
Your credit rating
Any accidents, claims or convictions in last six years
Where the car is stored
Use of car (social and domestic, commuting, business use)
Annual mileage
Age of all named drivers, their occupations, where they live, their other cars/policies, any claims or covictions in last six years. (They may have protected NCD so had accidents) If your nan/auntie dont live with you, adding one or both may actually increase the premium, ask the companies.. Likewise if they are too old.
Plus more....including other (non car) insurance history of all named
If you have never had car insurance in your name you are starting at 0% no claim bonus.
Shop around directly with insurers as well as comparison sites, ask their advice.
Best advice I can give you is sell the vrs, buy a low group insurance car and build up some no claims before trading up. 1 year no claims gives 30% or more discount.
Insurance companies regard young newly qualified drivers as high risk, not just their opinion, butnhard statistics calculated by crunching insurance claim records for your particular demographic.