Who you with Gazza750? My insurance last year when I first bought my car was ~$2800 and now im 19 and the renewal came in at ~$2100 with Just Car, so atleast its some relief although they bumped the excess up a couple hundred, farout. Postcode plays a big role in insurance premiums I think.
Also, with Just Car, its my understanding that you pay extra premium for the first 5 or so mods, then after that every extra mod doesnt affect your premium.