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Well, if your familiar with your car and basic electronics, its really not to bad to put in an aftermarket alarm system. I have yet to do it in my 240, but I installed one in my 200sx without too much trouble.
If you know what your doing, give it a shot. All depends on your ability.
As for insurance, my company didnt care what type or how it was installed. was just a checkbox on the form. May not be true for all companies though.
Oh, and as for the actuator, as far as I can tell they are a real pain in the ass to get to. I tried to get one out when I was parting out my last 240 and couldnt do it. But maybe theres an easier way. Doubt thats the problem though.
good luck.
Greg
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