Try Pivilege mate!

You must qualify for saga at that age??

Mine is up for renewal next month, and just checked and it has decreased by £200 thankfully to £850

in my 2nd year of driving now and mine was the same as last year, but now im driving an ST instead of my mums old KA
so can't complain too much really- even though it's daylight robbery and they know there is nothing we can do about it as you need it