I doubt my insurance will care about flaps, seeing as they won't charge at all for performance mods (except a turbo)

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first link are all rears !
Why would they do this? Haha, doesn't make sense to me. Should I definitely avoid them then?
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Second prob drags a bit on a slammed ST Frostycles

What classes as slammed? As I'm going for the Eibach "extra lows" but nothing ridiculous...
And is this set the one to go for then?