Its not really car insurance is it, in fact it is a person tax if it was solely car insurance then it would be easy ie Rover 75 is just that a Rover 75 disregarding what level the trim is etc,
A Jag is a Jag and so on but they can hype it up if you are younger, older, have a bad record etc.
As already stated robbing us blind and we stand for it, the whole industry needs a massive shake up, I mean over half of us will not be on the roads that much at the moment no discount for that