That is just outrageous!! Do you have a real bad driving history or something?? Could it be because where you live?? When I bought my car (BA Fairmont) and got quotes for insurance, the annual premium for a BA XR6 (NA) was about $200 more. I am turning 23, have full NCB and the Fairmont is insured for $28800 and the annual premium with RAC in WA is around $580.