A girl I know (39 years old) asked for an insurance quote (elephant.co or diamond, I forget which she said) for herself, she then asked how much to add an extra driver (50 years old) The quote with two drivers was 50 quid cheaper than her alone! So if you are asking for a quote, try adding on someone older (could even be non existent I suppose) to get a cheaper quote.
Mrcheerful