Im 21, 22 next week wohooo!!! got a r32 gtst, only mods -lowered -wheels(for now hehe),
i rang just cars and got quoted $2800 full and/or $650 3rd party...
With FAMOUS they quoted me $2200 for full which i think is excellent seeing that im under 25, male, driving sports turbo car...
I think the fact that you've lost your licence twice, makes them think twice about giving you a cheaper quote....