I do the exact same thing. The other thing is, if you've been with JustCars for over a year you can pay by direct debit on a monthly basis too. I end up paying something like $90 more a year doing it this way, but $65 a month is a lot easier to swallow.
I'm with Shannons and it's under $500 per annum, and the agreed value was same this year as last year.
I'm with Shannons , Full comp, with an agreed value of $18,000 and it only costs me about $700ish yearly and i'm 27.