I seem to have cheaper quotes as well with Bell (Admiral group). They always ask for more on the renewal quote, but last year, 25 y.o, 4 yrs no claims...1 accident (not at fault) and it was £490. I was paying £630 the previous year on a 1.9cdti sri Astra. Hopefully, being older and wiser my insurance will reduce when due for renewal in June...cross fingers!!!