Hey! Before picking my car up a week or 2 ago I quickly joined with racv just for immediate cover til I had time to do the ring around I am under 26 so I am prepared that I will have to pay extra so I'm hoping to hear from some people in the same boat. I have a 2005 GU auto wagon Club 4x4 have offer $18,200 agree value but the insurance per year comes in at around $1600 with a excess of $1200. Seems a bit too high honestly. What advance can you all add? Thanks !!