I’d priced the car, the maintenance plan, even the tyres, before I ever signed anything. I had not priced what a 24-year-old apparently represents to an actuary.
The first quote landed somewhere between ‘ambitious’ and ‘insulting’. A broker who specialises in performance cars got it down meaningfully — not by finding a discount code, but by placing it with an insurer who actually underwrites cars like this regularly rather than treating it as an edge case to be priced defensively. The second thing that helped was a tracker: a genuine reduction once the insurer had verifiable proof the car couldn’t quietly disappear.
What didn’t move the number: annual mileage caps below a certain threshold, and a higher voluntary excess, both of which I’d assumed would help more than they did. If you’re pricing your first one of these, get the broker quote before you assume the direct-to-consumer number is the real number.