After hearing all this I'm happy I live in the slackest state for rules on young drivers. I'm 19 on my p2's I bought an 05 xr6 turbo ute and claimed aftermarket rims. Massive intercooler and ss air induction etc. My premium was about 1700 on rating 2. But the excess is about 1650 which I thought was huge until seeing some of the numbers here!