Im 22, great driving record, pay $1500 a year full comp with Shannons, Rating 1.... They are the best people to deal with that I have found... the guy remembered my name just by what car I wanted the quote for... The car is stock for now and as for mods they price it as for what type of mod it is eg: An exhaust would be classed as a low level mod and would be priced accordingly but an ECU mod woule be deemed as high so yeah, charge more... But would they really be able to find out if u flashed it?? so that's what im hoping for.... I called up RAVC they wouldnt cover me cause under 25 and driving a T, Just cars wanted $1700