it's deffo worth speaking to your current insurer explaining that you have got a better quote online and see if they can match it? i'm with direct line got re quoted at £500, explained to the sales representative that I've found a deal online for £300 she said she wont be able to match it but she can offer the insurance at a lowered rate of £350. I accepted the offer as second drivers on the policy still get no claims bonuses (as long as they take out their insurance with direct line) hope this helps.