Comparison sites are broadly useless for something like an FD, I\'ve never found a vaguely competitive quote online. However, after doing an online quote on Mark Richard and getting £10k back, they did then call me up and offer £728.
This was how my insurance renewal went (in sequence):
Adrian Flux - £830 renewal quote
Sky - £792
Mark Richard - £728
Keith Michaels - £650
A-Plan - £619
Note, I\'m sure if I\'d called them up in a different order I would have got different quotes, since each one asked my previous best price and then beat it. The key thing is just to call plenty of people - in your case, some of them may not quote you due to your age, but as long as you can get 3-4 quotes then you should be ok.
You could also try saying \'I\'ve not had any renewal quotes yet, but my premium last year was £873\' to start the ball rolling at that level (i.e. don\'t mention the £1900 as that\'s not a realistic price esp if you\'ve only found that online).