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You should insure your car to the actual replacement cost, not market value.
So let's say your modifications, muffler, plating, your time etc. to do this would cost you $10,000 to do. It might not add $10,000 to the value of the car for a resale situation but it does for the replacement situation that you would be in if the car was a total loss.
So, yes I would use a insurance carrier that would cover me for a replacement cost. It would take $50K to buy another car and add your 'touch' to it to have what you have today.
Insure for $50,000.00
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