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well you guys have in your countries normal insurance system.. (unlike we in Slovakia..) 
Anyway in our country is a system, that makes categories through size of the engine (example up to 1200 ccm, 1200-1600 ccm, 1600-2000 ccm etc.) or some have engine power in kW.. Anyway the system is all wrong as you will definitely pay more for this 2435 ccm 125 kW old Volvo worth 3000,- USD as for brand New BMW 318 or Mercedes C-Klasse 180 etc. which are worth like 10 times so..(as those have smaller engine or less power..) uffffffffff.
It will take long time to post-commi countries to become a bit normal..
Anyway in our country is a system, that makes categories through size of the engine (example up to 1200 ccm, 1200-1600 ccm, 1600-2000 ccm etc.) or some have engine power in kW.. Anyway the system is all wrong as you will definitely pay more for this 2435 ccm 125 kW old Volvo worth 3000,- USD as for brand New BMW 318 or Mercedes C-Klasse 180 etc. which are worth like 10 times so..(as those have smaller engine or less power..) uffffffffff.
It will take long time to post-commi countries to become a bit normal..