Rule of thumb always decline first offer!
Insurance companies will always offer a low first offer as there are some really skint people out there that will take it just get some money quick. but like said you need to print about 3-6 other adverts with the same year and make of car and similar mileage because at the end of the day YOU NEED TO BUY A EQUILIVENT CAR howether much you paid for it. My Girlfriend was hit head on last month in her 2003 HDI 307 FSH blah blah they come and offered her 2200 so i provided them with so many adverts they didint have a leg to stand on now they have come back with a 3300 which i wanted in the first place.
Patience is a virtue!