Unfortunately, as has been said above, car insurance is compulsory so you have little option but to suck it up. In reality it is your defence against ramming someone's Ferrari off the road and landing the bill for that, not the damage to yoir own car.
The way premiums are calculated will depend on multiple algorithims, and you only need to do a few internet searches to see how reliable algorithims are.
It could also be argued that if you drive an older (normal) car, you will be less careful than someone in a shiny new supercar.
See Mrs F in her Mondeo for details.
For other insurance like pets it is still a scam though. Your dog is old, pay more. Your dog is young, pay more. Your dog is sick, pay more. Haven't bothered for a while now, and it would take a really major hit for us to not be up on the deal still with what we have saved.
Matt