I am in the 17-25 age bracket for most insurance companies and alot of insurance companies to insure my car with just the exhaust and suspension mods charged me alot or wouldnt cover me. Just car are expensive but cheap for what they do cover you for. but you do have a massive excess. Im with just car. Also with the business thing. Unless u use ur car as a delivery vehicle, taxi, charter, chauffeur and nething sorta like that then ur car falls into private. Still tax deductable as long as u keep a log book for 3 months of the car. I claim 80% of my insurance and its private. But i only use my car 80% for business.
But with just car and its unlimited mods thing was only option i had. i was told SGIO will also cover u but they charge alot of money and excess to make up for it. so all u can do is clal around
Shannon may cover u aswell.

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I had the loudest stereo in a wrx in WA. Until i hit a wall.