Hi, I would recommend AAMI. They offer a FREE driver defence course for people under 25 and is about half a day. i done this course out at the UNi campus in Quakers Hill, Syd. Once completed, you get 10% off your comprehensive premium until the age of 25! My comprehensive insurance is $600, which is the lowest i could get with paying the highest amount on FLEXI-premium. so for example, my excess is about $2000, but my annual premium is $600, and that reduced with the 10% discount as well. thats for myself- 23 years old, 2004 ascent sports in campbelltown. with 3 speeding fines history.