Zowen said:
must be something about the fez that makes it so pricey
Yup!
Every second teenager gets one and crashes it, so the premiums reflect the likelihood of the insurance company having to pay out.
When my lad started to drive he wanted a 1300 Fiesta as everyone assumes below that capacity makes it cheaper to insure. He ended up finding a really nice 1400 Ghia. His mates described it as a granny's car but precisely for that reason the insurance was half what it would have been for the smaller engined one.