I Currently pay $750 a year with AAMI which i think is not too bad give them a try.

I would go the my07sti if your planning mods. had it for almost 2 years now with a hd clutch and tune exhaust used as a daily still an enjoyable ride through daily traffic. Test drove the my11 wrx and would also make a nice daily so tough choice. Speed wise both cars standard should be close in a straight line.