Im with Just cars, in Melbourne, R32 gtst, 22yo, lightly modded, rating 2 and i pay $1200 a year for an agreed value of $16000.
I am so glad i dont live in Sydney.
In Vic we have CTP like in NSW but do dont have a choice who you go with, its all included in the price of rego. (thats why rego is like $550 in here).