I would recomend a vibrator dildo, something you can insert in and rub . play along with it, alternate the stimulation and try to concentrate on your clit area, It's NORMAL to prefer to masturbate with your fingers inside.
Every one has a different way to do it, according to your body response.
By the way a lot of men would rather have sex with a girl who knows how to ride on top. Belive me.

What ever works for you. But exploring and experimenting is the best part. You will find new sensations.

What about getting the G Spot invovled that too can lead on to many pleasurabe fingerings !

well i bought my girlfriend a vibrator about a year ago it was like 30 bucks (batteries not included neither did they had them at the store) you can actually control how fast it vibrates...obviously if you go too fast it will vibrate as loud as a cell phone...so you may wanna keep vibration not too intense unless you want your mom grounding you...concerning age restrictions i think that sex shops will ID' you if you look too young, by the way i have a buddy in Georgia who bought her vibo at a Spencer's and she was underage at that time so thats a good store for you to try

sigh, i can only really masturbate like that too. my clit is very sensitive and if my bf touches it with his fingers i push him away by reflex or else start laughing, its the oddest thing, its like its extremely ticklish. i love G-spot orgasms though so i like sex a lot. It helps to know what works and what doesnt, but wasting time having sex isnt that bad.