Consolidation, a good idea?

Currently I am paying £322 a month for my car insurance (I'm 19 years old), this will conclude in January so I owe about £1,600 still. I also have roughly £500 of other money owed to parents.

I also get the train into London for work at £303 a month.

Now, I have a total debt of roughly £2,100. I was planning on borrowing £7,500 from Nationwide, which would mean paying £150 a month for 5 years.

With this, I could pay off the debt I owe, get a relatively decent car which will last me (I currently drive a Peugeot 106 which is 9 years old) and insure it for a year.

Would it beneficial to consolidate in this way? Or would you recommend I stick with paying it off at the high rate I do now.

Only thing is, I would need to take out a car loan eventually anyway after this is paid off.

Thanks for any helpful answers