What am I doing wrong when looking for insurance?

Hello, I am currently looking for a cheap second car for the daily long distances I have to travel. Nen acquaintance who currently is currently abroad driving a Smart for Two as a second car and pays only a little more than 100 euros in insurance every year as he once said. Have SF15 believe his is even worse and yet in comparison portals I do not find a price that comes even remotely equal, have at check24&Co after the smart and the Daiha But tsu Cuore looks at the annual insurance prices, even under pure liability, there are 400 euros or more, am I doing something wrong? ^^ Is there still a better way to get a cheap insurance? Thanks for the answers already