hey man, i own a r33 non-turbz on my Ps too, its not blazingly quick but it still has abit of guts to it. With the insurance, i pay $550 for third party fire n theft.. i think a turbo r33 third party fire n theft is around the same price so the insurance doesnt really change a whole lot. I think they consider any skyline a greater risk car. But with driving a non-turbo r33 i have peace of mind that i will get paid out if i crash
theyre good cars, and i recommend one for a first car! i have nearly spun out in it, in the wet and if it was turbo i know it would have been a totally different story, with me wrapped around a pole probably. so just have a think of it all before you make up ur mind