I had a 1996 Maxima before I bought my 91 Z. It got stolen after years of work and about 12K worth of modifications. The insurance paid me 2K more than the actual car was worth because of it's pristine condition. They also paid me for about 90% of the total that I spent on the modifications. I had full coverage and did not pay any extra money for the aftermarket work. If you can get coverage from State Farm, go for it. It pays.