Listen to this, LEARN TO TALK CRAP TO THE INSURANCE GUYS 2004 corolla sportivo Modded Last year i was insured with nrma with $1800 premium with $18,000 covered under dads name, this year they wanted to bump it up to $2200 premium with the car covered for only $16,000 (excess $1000) that didnt make sense so i told them to get stuffed.lol I rang up Just Car (AFTER i had done an online quote but didnt tell them YET) and they wanted $2200 premium with cover of $18,000 under MY name (im 21) with an excess of $2500. Anyhow i did do a cheap attempt at an online quote which gave me $1800 premium with $21,000 cover ( only half the listed mods). and i mention this to the guy on the phone after he gave me his best price. So after talking to him i end up with Im covered for $21,500 with premium of $1750 and excess of $2000 but its under MY name (21) which with "Just Car" you can adjust your premium anyway. Everythings covered, rims, cai, full exhaust, supsension, sway bars, strut bars n such. Im sure many have gotten better or worse but i dont think i did too bad.