I sure am glad for the riding classes I've taken, however, which probably do a lot more good than obnoxious exhaust systems.
Less of this, please
Actually, is there a single thing that insurance gives you a discount for?
Like, I’m with GEICO and as far as I can tell, it’s only age of license without accident or ticket that counts.
Either every factor is a wash or insurance companies are keeping the spread as profit on their side or they have no means of enforcing.
Like, do you install a Termignoni and then call your insurance agent? “Hi, I got louder exhaust pipes installed. Also, I’ve decided to wear a nicer helmet. Also, I now keep my bike inside a garage. Just wanted to call about the discount”
ABS, having taken a Motorcycle Safety Foundation riding course (in the U. S.), and yes, for storing it in a garage. All of those are items for which Progressive gives a discount.
As a corollary anecdote, I've seen (and heard), on several occasions, the rev bombing riders revving louder and longer since the person that's "in their way" is not moving out of it.
I've also, personally, jerked and swerved (a little) when startled by a loud exhaust "suddenly" appearing next to me. These events are typically followed by a crude exclamation that isn't worth sharing here.
At one point I did have a bike with a louder exhaust (I didn't keep the citation I got because of it). But the majority of my bikes are stock exhausts and quiet.
Cars swerve in to anything and everything. Especially today, the modern car cockpit is overwhelmed with distractions. But even pre-cell phones I've had to contend with kids, coffee, balloons, and animals apparently designed to convert the car drivers in to motorcycle seeking missiles.
Keep it on two, stay safe, they're not out to get you but they make a good show of it anyway.
But I don't do it because people would think I'm a selfish asshole.
However, I don’t like the idea of automatically ticketing people with technology devices alone despite the obnoxiously loud noise pollution from these vehicles. Police can easily hear these vehicles and pull them over for a violation.
In practice this doesn’t happen, however, at least here in the UK.
Police are not issued with equipment to measure noise levels, and on a busy road it can be difficult to identify (provably and conclusively) which vehicles are making the noise.
Which is exactly why technology like these “noise cameras” are needed!
Especially in the nice areas of London you could probably drive for years without numberplates and nobody would ever stop you.
I've even seen the police crack out light meters to fine boy racers with overly tinted windows.
Edit: If I'm able to hear them, it's immediately after they have passed me.