I did say that there are bargains but very few. There may also be reductions in the cover but taking out the ones you do not need makes very little difference as they are not significant in the premium.
I have worked in insurance all my working life and can assure you that in general lower prices can only be achieved by keeping claims costs down and that has to mean paying out less if you can get away with it.
I've been insuring cars all my working life and options has always had a significant effect - nowadays I don't travel abroad or to work so don't need foreign travel, business use or commuting and the difference is significant enough to be worthwhile - with two cars in the family, I don't need a courtesy car which also makes a difference - when I was working it was always cheaper to use a company that included business travel rather than a cheaper company where it was optional that then increased the premium for business use..
The million dollar question - how can you tell the difference between an insurer that keeps the cost down by not including cover you don't need and one that charges a higher price for the cover you need?
As an aside, I looked into a "charge-per-mile" policy recently, it was an annual "parking" fee of about £180 plus 3.2 p/mile based on 1 year's NCD on a Group 2/50 car, which offered little or no saving on a low mileage basis and more expensive over a higher mileage.