I insure because then im all legal and yes I would still insure if it wasnt the law because if I ever hit anyone in my car I couldnt afford to pay out court fees and massive health bills for the poor person recovering...
As for insurance being cheaper with different companies everyones different and there are soo many companies out there who taylor to suit certain people I find currently AA to be alright not the best quote but hey we will never know how good an insurance company is till its claim time...