That's why I advocate universal 3rd party cover paid out of road tax - or better fuel duty.
We'd pay to drive, without also paying insurers to make a profit, the more, faster, and bigger car, you drive the more you'd pay - all factors related to the amount of risk you create. Insurance premiums only penalise drivers on their ability to pay, the emphasis should be on penalising those convicted for poor driving - fit the black boxes in their cars until they've shown they've improved their driving habits.
It's not so radical, we have universal employment insurance and put black boxes on the ankles of wayward kids and prisoners on parole. It would be radical to let insurers administer their own ASBO scheme for motorists who can't afford better.
I agree to a point, that the more powerful the car, the potentially more dangerous, but size isn't an issue. Its proven that being hit by say, a landrover discovery, at x mph will do you less damage than being hit by a mini or a corsa at x mph. This is because of where the car hits you. Bit car, high up front end hits a lot of you, but the force is spread out, pushes you forward and away from the car. In a smaller car, the front is much lower, so the area of the car hitting a pedestrian is much smaller, therefore much more force on less area of the body. Also, the lowness of the car will take out your legs, and more likely throw you up and over the car, and potentially into the path of another car.
Larger cars can sometimes be a blessing
But yes,
I am 17, drive a standard (as far as the engine goes) 998 mini city. I pay £750 a year for TPFT insurance with free breakdown cover, EU travel and unlimited mileage. Still pricey, but I had quotes from the self proclaim 'cheap' insurers of £3/4/5 k just for TPFT!!!!
It proves if you look about you can get a good deal.
I am also opposed to the black box idea. Its essential with some companies, yet they charge you for it, to fit it, to remove it, for maintanence, and who wants big brother!!!!!!!!