The question of Insurance quotes is a minefield and recently having had enough of EDF expecting me to subsidise the French I went to a comparison site. Part of the searching for a reasonable electricity supplier, they bombarded me with car Insurance blurb.
I did some checking and whilst I could decrease my premium by quite a bit, I found that things like a £350 excess were involved.
A couple of months prior to renewal I had molten metal 'collide' with my rear screen from where I know not, however I was told by a windscreen firm that no way would my insurer pay for it as it wasn't broken. On checking my policy I found that I was covered. Replaced at NO cost to me.No excess on glass replacement. I have a protected NCB of more than 22 yrs ( from my insurer, it seems this is as far they go back). The cost of that screen according to LIngs is circa £200 plus rubbers and Honda parts UK was in excess of £250. plus fitting.No excess on glass replacement.
The point, yes I could save money on my policy BUT what I had saved with an excess of say £150 would have not been a saving. Besides even RSA on the comparison site wanted more than I pay for comparative insurance. Who am I insured with? RSA. We have friends who go for the cheaper insurance but when a screen broke they found they were not covered. I paid my latest premium without a second thought. My excess is £50 that is for accidental damage including little Henry after a skinful keying the car/fire and theft, if I have it increased to £100 I can save £50 on my premium but SODS law he decree, that I would have a bump. Unfortunately as Jocko points out due to age premiums start to increase. It is very much horses for courses.