I think the real injustice here is that somebody with a Neon bothered to answer the OP’s question. You have a Neon, don’t bother with full coverage let alone additional coverage for your home-made bobble-strut-dildo mods.
It would probably cost $20k+ to duplicate the mods in my Z06, but do I carry an additional $20k in coverage? No. Is there risk involved with that? Yes.
-TJ