I would say, if you have that much in mods and have the money I would def. get it. The thing is, are'nt alot of the mods and bolt-ons we put on our cars illegal, just not enforced? I was told my bolt-on muffler was illegal when I got a speeding ticket. I don't see how an insurance company would ensure parts that are technically illegal. I would say just call your insurance co. and find out.