the advice is, always shop around.
I was at an insurance company and overheard in the board room how they set prices and which business they want.
they allocate a limit to attract punters, then when its used up, charge more to put the rest off.
It spreads the risk profile for the company. there are other factors like renewal and new business.
think abut it, you don't want a portfolio of just high risk punters as you'd soon go bankrupt.