Help with Insurance on AU2 XR8

[LeadFoot81]

Hi everyone, I'm in the process of re-asessing my insurance and wondering if anyone can help out with a few of my concerns. Anyone who is with Just Car insurance could be a big help.

I've tried searching the forums but constructive posts are few and far between, and I have some specific queries.

Im with RACV atm;
*Im 26 and my car is stored under a locked carport
*my premium is $1494 per year (pay by the month)
*basic excess $500
*insured for market value

Just Car Insurance online quote gave me;
*An 'online' premium of $1452 (can you pay by the month with Justcar?)
*basic excess $500 with a theft excess of $800
*cars value is listed as $13,000 (what I paid for it, but is the car insured for this amount or market value? If the car is insured for the amount I paid, is this the reason there is an $800 theft excess?)
*It looks like Just Car allow pretty much any mods, I added extractors and intake to the quote (as Im going to do them in the future) can anyone tell me if RACV allows these mods? I haven't dared ask yet, and I'd rather hear people's opinions/experiences with insurance companies first hand.

My main issues with switching to Just Car are:
Do they have pay by the month;
The $800 theft excess on top of the $500 basic excess (I'd like to raise my basic excess to lower the premium, but I dont want to be paying close to $2k if my car is stolen. However, is the car insured for market value, or the original purchase price?)

If anyone can help me out with the;

Pros and cons of Just Car insurance;
Pros and cons of any other insurance companies theyve dealt with;
Point out anything I've missed, it would be greatly appreciated.

Cheers, Rob.