Is this normal for insurance?

[HUFC]

Just been getting a few quotes as I am looking to change cars soon.

Tried a quote for an mx5 which came back at £1120. That is at 21 year old and 6 points.

Took the 6 points off and the price drops down to £610.

Obviously I have to declare the points but that seems like a big price change for an SP30 from jan 2013 and a CU80 from August 2013.

Was just wondering if it is normal for the difference to be so big

[HUFC]

I understand the reasoning behind it but that to me seems quite a big jump. I know how insurance works but it seems like I am being seen as more of a risk as I have done something that could potentially lead to a crash where as if id have actually crashed then it seems like the insurance would be cheaper.

Also does it start to make less of a difference the longer time goes on or will it make the same difference until I can stop declaring them?

[HUFC]

calibrax said:

I'm surprised it isn't a lot more, to be honest.

Well how much do you think is fair for a 21 year old student in an average post code with 6 points from 2013 and 3 years no claims on an mx5?

I've had an MGF so it being rwd isn't a problem

[HUFC]

Ok ok I'm calm

Tbh it's not so much the price that is the annoying part it's the difference between the two quotes but insurance companies are businesses so it's expected for them to charge what they can/want.