that is a lovely theory. but in the real world whenever you start driving you get butt raped, my missus is 25 with 1 year no claims and it costs £900 ish for a 1.4 clio... first year for her was a 20 year old micra 1.0 and that costs £1100... i put it off for years cos i refused to pay over 1k to insure a slow car when my bandit 600 bike only cost £200 to insure... but the benefit of a car is sooo huge i do wish i stumped up the cash years earlier