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Not only will insurance be more expensive for some cars than for others; you may find that insurance companies refuse altogether to cover young drivers when their vehicle of choice is too costly, has too high a specification, has too many modifications or has too powerful an engine.

If you’re about to buy your first car, or if you’re a parent looking to help your son or daughter purchase a vehicle for the first time, it’s important to research your insurance options before checking out makes and models or organising test drives.

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