pete, i have been driving now for over 25 years, with a good driving record, of little or no accidents,or claims,during this period, but im constantly annoyed,that however long you stay with your present insurer  givern this,there yearly re-newal costs are not as compettive,as shopping around!, why don't they reward good drivers with reduced premiums,and make the bad drivers,or unisured,more liable?, even more so,if your car is quite old,as my existing one,is nearly 10 years old now, why is this?