i think your higher quote would be the 3 points, that makes a difference..
i actually got insured when i was 20, i've got 4 years no claims as i had a scooter for a year, a 13k car, import, 19000 miles, on the driveway, 25 k miles a year. that was 900 quid, renewal came thru at 800, but i said i'd pay for it instantly on the phone if they did me a deal, so they threw in business class 1, and made it 700, i was like chi ching...
i wanted to go with sky but they wouldnt insure me or it was like 3 k or somin, i cant remember..
if anyone wants to know who i'm with send me a pm. its a very popular company.