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unfortunately there is usually a limit to how much excess you can have! All i can say is don't use internet prices! they are usually more.
What i do is ring round - play one company off the other - (with genuine quotes!!) and then ask for reference number.
Once you have a reference number go...
theres ''not worrying about it'', but i over took a guy doing 35 - 40 2 days ago in a 60 and as i did so he swerved at me and he flashed, i just ignored him, but at the traffic lights he gets out and punched my car window, all because he was overtaken.