insurance is effected by many things, i.e your occupation, postcode, any claims convictions etc where car kept at night if you commute, annual mileage etc etc. Unfortunately I work in insurance so understand why and how it works! Reason its going up is due to all the claims made in bad weather plus fraud is on the up like mad! Insurance companies been losing money so like any other business they put prices up!!!
Im 25 paying £475 7 years pncb comp on my a3 (was the same for my mk4 golf)