Maybe cheap insurance, but isn't it very difficult to get modified cars road legal? I remember seeing one of those fly-on-the-tarmac programmes about NZ police. They stopped a guy because he had lowered his car and hadn't got it officially approved by the NZ version of the DfT.
Have a look at this then consider who are the lucky ones
http://www.police.govt.nz/service/ro...erdetails.html