Some wise words have already been passed...
Never ever take the first quote, always treat the cheap ones with suspicion and check them out, theyve gotta be cheaper for a reason.
When i got my first quote on a scoob at the age of 40 (with an apalling driving record tbf, no points but 15 write offs) i was quoted between 450 and 2500. I am currently paying 310 fully comp but that is with no courtesy car (i have my own daily drive) and a 200 quid excess.
I am also always aware that in really high payout situations, the insurance company will do their best to find a way out of paying so "car in my wifes name", undeclared mods etc need to be careful.