Try this site as it has a listing for the group ratings cars fall into to give you some idea. http://www.expertcardirectory.co.uk/car-insurance-groups.htm You need the lowest group you can get, so things like a Ford Fiesta without any extras, or a Corsa or as the list says a Seat Arosa or the like. And the smaller the engine the better it is tax/insurance wise also. When you phone for insurance quotes as them the group the car falls in to. They can tell you and it'll give you an idea of how you can come down a group or two maybe, if say the one you like is a group 7, go back to the drawing board and look for a group 5. Might only be the engine size and extra doors or something but it makes a difference. If you buy anything with added extras, injection engine it will increase what you pay. Your father paying less than you may have to do with his age, no claims and car he drives, also if its fully comp or thrid party. Hope that helps.