one answer is easy.
What mileage are you stating.
As I have three cars my insurance is thus
Bently brookland 1997"£214 full comp. 4000 miles two driver
Saab 90se 1997 £200 fully comp 3000 miles just little old me
Toyota Hybride prius 2009 £ 200 full comp 6000 miles. MY KIDS AND MY BROTHER IN LAW
AND ALL WITH LV.
So if your mileage is low then that will reflect the cost.
So Brian I would check this out.
Also if you get on to them and say you may go else where they some times make you a better offer
Ron the batcave