Paul, nothing to do with car mate, speaking from an Insurance background, Liverpool and Manchester are the most expensive areas in the uk (bar a few p'codes in London) for insurance in the UK.
Regardless of if its a Ins group 1, Fiat Cinqencento you will pay approx 20-30% more than most other areas simply due to the high risk to the insurers through crime rate, accidents etc.
Your best best is to go on the net and go through Go Compare or Confused.com as they will give you accurate rates through perhaps 30 companies to save you ringing around.
I work for a female specialist broker and 90% of our business comes from these sites and nowadays its pretty accurate withing a few quid if not exact.
Matt
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Matt Osland-Jones
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