Mondie, I want the turbo, I love fast cars, and XR6T is perfect for us, family car, fast enough, I like manual but my wife doesn't, so the SSS is perfect. We were looking at the Subaru Libery B4, but it was too expensive, not as big as the XR, and the fact that even in sportshift mode if you go over a certain amount of rev's it changes gears for you. NRMA was the cheapest I could find. Just cars quoted me around $12,500, AAMI won't insure anyone with a Turbo that is under 25, GIO doesn't want to know me either. I don't know of any other insurance agencies to try, if you can shed some light on this, I'd appreciate it. I was previously insured with NRMA for my 1.6L 4cyl 2000 Pulsar. Cost me $2500 a year for it, but when it got stolen they quoted me $5800 to re-insure it if I got the same model car again. I don't know how they work out their pricing structure, because when I asked how much to insure the Libery B4 twin turbo 2.0L, they quoted me $4800. Edit: Ford Insurance just gave me a quote of $4182. Not a big improvment, but every little bit helps.