I feel your pain.. I'm 29.. with an 05 BF XR6 n/a... 6 speed auto.. I pay about 1100 I think for full comp... with suncorp... I have gotten quotes from QBE.. they have been the cheapest for me so far.. I think about 800-900 from memory.. or if I chose to have a $0 excess.. I'd be paying what I am currently... which is also rather appealing.. QBE have 3 different policy choices... the cheapest of which is you choose not to let anyone under 24 drive the car... which isn't an issue for me.. try an online quote or give them a call... I'm still trying to decide if I want to change... I don't know anyone who uses QBE.. so don't know how good their claims procedure is..