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My car insurance is due in the 30 days, quotes vary from £181 with a £400 excess no legal cover from Privilege, to £312 with a £350 excess with the AA no legal cover, my current insurer quote is £228 with a £150 excess from AVIVA with legal cover, I have been with AVIVA for over 8 years.

Why the difference in quotes similar cover with the same driver and car?