I was with Suncorp i was paying around $1400/ yr rating 5 which i though was great, but i decied to go as they have a rating/points system and if you want to go and do mods the points dont last. IF you go over the points they will ask you to take a mod off so you are under or they will reevaluate your insurance . I have a R33GTST 95
3" exhaust ,air filter, 18" mags,after market stereo, Nismo Rear wing 400r front and i was on the limit.
Cheers
PJKJ