[Mr_ET]

I just never told my insurance company and never got into an accident. Your points are all valid but that is the price you pay for wanting to make your car different.

My old civic will only have liability coverage and my guess is if I told allstate I'm going to road race and auto x it they would refuse coverage.

The reality is that unless you're giving an insurance company money to provide you nothing in return it's not worth it on their end and they will do everything they can to rape you in case of an accident.