whoa whoa whoa... some of you guys are making this waaaaay tooo complicated.
A LOC (line output converter) basically takes a high level output... and converts it to low level. RCA pre-outs are generally 1.5-8 volts depending on how high end the aftermarket stereo is. Speaker level, such as signal after the amplifier, or coming off the back of the radio, is considered high level.
LOCs don't tie all your speakers together or even tie the wires together especially not when adding a subwoofer. A typical 2-channel LOC has 5 wires coming from it, (white, white/black, gray, gray/black, and black). These corresepond with front left +/- and front right +/- speaker wires. This does not mean that you have to hook to the front left and right channels of your radio. Generally when adding a sub I connect to the rear channels.
Take a scotch lock and tap onto the speaker wires you intend to use, and then crimp a male spade connector onto each speaker wire coming from the LOC. You can then plug in each speaker wire coming from the LOC into the scotch lock that corresponds with the wire coming from the LOC. There should be no cutting of any kind. As I said earlier, an LOC is only getting signal, not adding a load onto the factory.