SequaL

Hello mates, I have recently moved to Adelaide to study and I am in the midst of considering to buy a R33/34. I am 21 and some of my friends tell me that it will be a killer for me to pay for my insurance p.a because I am under 25 years old. I have heard a lot of versions of it and I am not entirely sure how it works hence I wish to seek clarification from you guys. Please enlighten me if possible, thank you. Cheers.