unreasonable premium qouted

I called miway requesting insurance cover for the new vehicle we bought. After a long conversation and repeating answers the same questions , they qouted me an expensive amount. Their reasoning is if the insured person will be using the vehicle to attend meetings then they increase the premium. I find their procedure unreasonable because its impossible not to use your car, if you have to attend an off site meeting from time to time from your normal place of work. Do they mean you have to catch a taxi? Insurances are just reaping us off.