I can get my feet behind my head, will that get me a discount?
on a serious note; having a female partner on your insurance helps. being married brings it down even more. my wife was involved in an accident 2 yeas ago, it bumped my premium up, so I looked into removing her. the quote came back a hell of a lot higher. so she stayed on.
get the quote first then add the exhaust, if it has no performance gain and is classed as a replacement system they won't load your premium. same with most mods. if it makes no difference to performance they usually don't increase premium. unless its a visual change which makes the car more thievable.
thing is Canada has just as many guns and a fraction of the gun crime deaths that America has. the issue is that place is full of wack job retards. you see some of the crap they come up with; its scary.
saying that, in the new year I am doing a mod that will add switchable power steering settings. so normal for the carpark, and PS almost off for the B road.
worst case scenario you can buy your own off ebay for about £20.
I use several, but the one that gets the most use is my mobile app called torque on android and a Bluetooth OBDII dongle
what's your location, plenty on here have them, there is even a thread pointing out all the national locations and people willing to help other members out.
not as big as you think. really worth a look, you get the comfort, the gadgets, the V8, FI, the badge, rarity, shed loads of power, reliability (compared to other options)