I just bought a BA MKII XR6T im only 22 and Just cars wanted 2300, AAMI wanted 1700 and NRMA wanted 1000 so I went with NRMA. Though its a 500 basic excess + $400 under 25 excess and a $600 Driving History Excess if I make a claim! I've had a few speeding tickets in the past 5 years.