hey onthehunt, im in the same position as you, im 19 atm and turning 20 in july, and i just payed me premium with justcars today $2031 and the excess is like $2350 for accidents and $3350 for f*kn theft! i think that 97' gtst is also blacked listed, not just the 96' if it makes you feel better lol.
im gonna give famous a call after i turn 20. however just cars does cover every mod i have except for cf bonnet, which they will replace with a standard bonnet in the event of an accident.