Just cars definately, dont do the internet quote thing, just give them a call, its heaps cheaper.
Last year i was 21, rating 3, r32 GTST insured for $16.5k with exhaust and wheels, and full comp cost me $1700.
This year 22, rating 2, $16.2k, costing me $1200.
Just cars will be the cheapest, believe me.