Hi, my daughter picked her car knowing it would be a lower insurance group (Ford Ka). When it came to getting quotes it was from �2500 to �880. She is fully covered with Egg Insurance, It needs a lot of searching about. Then your next problem was that you can not pay monthly until you are 18 as it is classed as credit, they wouldn't even let it be paid through my bank account for her. So when we tried to pay online we couldn't either because she was also to young for her own credit card, but with a call direct to them we could pay them on mine the full payment. So you not only do you need enough to by your car but also the insurance money up front to.