2.5 ton vehicle?! Get outta here, a 90 doesn't even come close to 2.5 tons! Look mate, the thing to do is ring them. I did comparison websites and took those prices to Adrian Flux and told them how I thought those prices were ridiculous. If you talk through each point you'll find you'll get quotes as low as 1500, maybe even lower. Oh they'll tell you they can't do better but if you pester them like I did they'll break. Halved my initial quotes to £1000 and I've got a modified Disco with a whopping 3.9 V8 in it!
People are right though, it's mainly about your driving experience. My premium was lowered a bit as I'm a farm worker and have experience driving 4X4s and of course very large tractor and trailer combinations. Good luck and hope you sort it! Wish my father had been more supportive of my Green Oval ambitions!