Toyota Yaris. Put your details into compare the market etc. and change things to see what brings down the insurance quote. Mother and Father on as named drivers, just Mother, just Father, parked on street, parked on the drive, parked in the garage, try fully comp with a voluntary higher excess as it's sometimes cheaper than third party, try anything to see what works for you at your particular postcode. Bear in mind that if you insure it as parked in a garage then it should be garaged, and it should be insured in the main drivers name (not mother insuring it and daughter driving it...).