Car insurance - am I going wrong somewhere?

[Fun Bus]

Just recently I've noticed a few threads which contain comments such as these:

Someone else said said:

I'm 22..........these are my quotes.
911 (996) £1100
Z4C 3.0 £980
TVR Tamora £1000
Elise S2/111S £1200

Then someone said:

As for insurance, I was insuring a TT 225 @ 21 last year for £875 fully comp and now have a 330ci M sport and pay £1100 @ 22

Then this said:

did a quote for myself on a 911 for when im 21, admiral multicar 4 years NCB - 1200 quid

And more said:

I'm 23 and paying £1,360 on a Diablo

And some more said:

I pay £1400 insruance on a 911 turbo @ 21 (with a previous ban)

Possible custard on this one said:

I'm 22, only passed my test at 19, insure a Shelby GT500 tuned to 900hp(insurer knows) and Porsche Cayman on separate policies for less than 3k total.

Last one said:

im 27, i discovered classic insurance this year
had: TVR chimaera, classic mini cooper, TVR Cerbera, ferrari 308, lotus esprit, bmw 850, and not paid more than £250 for any of them

I'm 33 with 10 years no claims, car parked on the driveway of a decent postcode area, my OH is a named driver. Neither of us have any claims nor convictions. The cost of renewing the insurance on my E46 318Ci? £950 fully comp. with £250 excess. When you look at the above and look at my renewal I can't help but think "How the juddery fk?"

Edited by Fun Bus on Monday 28th November 01:56

[Fun Bus]

Where do I say I believe it.

[Fun Bus]

I do shop around, last year I paid £600 which relatively speaking is still a lot.

[Fun Bus]

OT - I'd never put you at 21. No idea why though.