Comprehensive motor premiums reflect more than driving history: longer repair times, pricier parts, and higher temporary vehicle hire costs all feed into insurer pricing models.
When comparing quotes, look past the monthly premium at the excess (including age or inexperienced driver excesses), whether you are insured for agreed or market value, and any restrictions on choice of repairer.
Loyalty discounts are not guaranteed to beat the market — re-quoting annually is a sensible habit if your circumstances are stable.