The prices I quoted are the real deal, but remember, everyone is treated differently by insurance companies. None of us live in the same location or have the same driving records.
I live in a rural area which has (I've been told) the lowest crime rate in the country. This may have some influence on the premium. My driving record is (surprisingly) pretty good these days and I'm also older than most of you.

All of these things probably explain the lower premiums.