You have to remember that your parents can only use their no claims discount on one policy at a time, my mum uses her on her car and my dad uses his on his van, so it made it no cheaper to have them on my policy. I was 850 for a 1.2 Clio, I bought a 1.4 Civic the other week and it has risen to 1200, buying a thatcham cat1 alarm soon so it should go down some. You're as well splashing out in the first couple of years and building up your own no claims as you will benefit more in the long run. As for queries into buying a car, I'm paying 145 a month over 3 years for my Civic and can comfortably afford this while at uni as well. It works out i'm paying 5220 or something, expensive but the car is beautiful, my clio was a death trap.