Im 28 with 5 ncd and i live 20 miles out of london and got a quote for my mk3 8v and it came out at £590, Thought not too bad. Then had a brain wave. my mum and dad live in a tiny village near cambridge where fook all crime happens and 5 cars drive through a day and got a quote at their address. £355 it came out. So from now on i just get my insurance on their address.
Might be worth a go if you got family living in similar places.