Hmm in Finland I think we now have three, yes three, companies offering car insurance and they all give the same silly prices. No discounts either for having insurance abroad for nearly 20 years with no claims. The silly thing is I learnt to drive in Finland and driven here regularly for the past 20 years but I'm treated as a new driver and am currently paying just under 1000 euros for an 9 year old Audi A4 (for the first time this year it went under 1000). Mind you, it does include breakdown and road tax, so it's a bargin really. ;)