The unfortunate truth is that the only way to get cheap insurance is to get older, We all have to go through it and i was paying high premiums for years because of some stupid mistakes i made when i was younger. Now at 34 i pay £435 FC for a 4x4 saf cos with an agreed value of £6500 , and £116 tpft on a cavalier gsi i use for work, Both policies are full no claims.