I have had my fair share of high quotes. At 27 the only merit is seems to be kind insurance companies. When looking around for car's I wanted the 4 motion, but having found yr2000 2.0l bora with 24k at 5grand I had to buy it (free motering for 2 years!), anyway my insurance quotes with no claims (I have been driving on company insurance.
2.0l Bora 260pounds actual
2.3l V5 Bora/Golf 350 quote
I will add I live in a very good postcode area, when neighbours have moved here from town centres they have seen price drops of 70%.... so this could account for my luck, not just my increasing old age. (pass the zimmer)