OK ... here is how i get my Rating 2.
I have NO INSURANCE before until my R33 GTR not even my R34.
So here is the trick
I bought a sh?T car only cost me 1K( use it for work and Uni) and i get a full complehensive insurance by RACV, because of my driving history they gave me rating 2.
Then got my GTR, call up just car. "Yes i have insurance with RAVC and i was Rating 2 with them". Bingo here is my rating 2 for my R. cost me $2300