I’m convinced that insurance quotes are created by a random number generator.
Way back when, I had a 1.3 Mk2 Golf. My girlfriend had a near identical 1.3 Mk2 Golf. We were both insured with the same company, although she had one of their ‘ooh, you’re a lady so never crash’ cheap insurance policies.
I rang to add her as a named driver on my insurance and was quoted a premium increase greater than her total premium. Apparently, when being added to my policy, she was no longer a non-crashing lady, she was a high risk under 25 year old.
Years later, after we’d married and separated (…), I rang to take her off my insurance (now with a different company, I change each year). They said my premium would increase, so I said fine, I’ll keep her on it. She still was, two years later…