$900 with $400 excess for me with the NRMA. I am 39 years old, 20 years driving, clean record, no accidents, multiple policies with the NRMA which is supposed to give me a bigger discount. We also live in what I class a non sh*t bag suburb and are charged country rates. Wife pretty much drives the car, she is 39 as well, clean driving record, no accidents, 20 years driving as well. I wonder if I am getting ripped, when some people in their low 20's are only paying a few hundred more.