As you say, official parts can cost an absolute fortune because the manufacturers know only too well that the insurers are paying. It can be the same with medical insurance; the private hospitals and doctors ramp up the price because the insurers are covering the cost, and that is especially true in the States.
As to car premiums, when my insurance came up for renewal a couple of months ago, I went on all the comparison sites and found an insurer that quoted about 40% less than the renewal. Phoned up the company , told them what I had been quoted, and within 10 minutes they reduced the premium to about 20% less than I had been paying already.
As for parts, I needed to replace the heated windscreen washer jets on my Beemer, and they were a horrendous price from BMW, more than £100 each, from memory. Went on Ebay, and found a pair of guaranteed used ones from a reputable supplier which cost about £30 for the pair, delivered.
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