just onto the radiator bar thingy. i doubt it would ever effect insurance.
only problem i had is that for some reason my headlights melted where the globes attach. no idea if the wattage from these were affecting it or if thats a separate issue. ill do some more research before plugging the spotlights back in.
i was looking at getting the LED bar but i couldn't find one that would conceal behind the grille. also they are fkn expensive.