\symbol{324} can only take values in the 8-bit range and refers directly to the underlying font not going through latex's encoding mechanisms.
Any symbol for which there is support in \usepackage[utf8]{inputenc} will have a mapping from the Unicode number to a TeX definition in the utf8 files in the base distribution, or you can directly code something. so Unicode 324 is LATIN SMALL LETTER N WITH ACUTE so you can use \'{n} which corresponds to this line in utf8enc.dfu in the base latex distribution
\DeclareUnicodeCharacter{0144}{\@tabacckludge'n}
decimal 324 being hex 144
If you don't want to look up the definitions in the file, you can load the file with a local definition that removes the utf8 decoding part:
\documentclass{article}
\usepackage[latin1]{inputenc}
\def\DeclareUnicodeCharacter#1#2{%
\expandafter\def\csname ut-#1\endcsname{#2}}
\def\UseUnicodeCharacter#1{\csname ut-#1\endcsname}
\makeatletter\input{utf8enc.dfu}\makeatother
\begin{document}
aaaa\UseUnicodeCharacter{0144}bbb
\end{document}
produces

\DeclareUnicodeCharacter{0144}{\@tabacckludge'n}and have something like a\InsertUnicode{0144}which goes through those tables and finally does the\@tabacckludge'n? Using\'{n}is an option for individual characters, but I would prefer to be able to enter unicode codepoints, because those are in my sources. – Elrond Apr 15 '13 at 15:44