I had to read my post and yours a few times to see if you were joking. I believe you are. But, just to explain.
The suby and a credit card are all I have on my credit. Meaning; the only things building and keeping my scores up. Therefore; Suby has full coverage. The RX 7 is subject to me wrecking at the track, street or being stolen very easily. My stated policy is far better than full coverage and Allstate has looked at all my receipts for what I have done to the car, to include 8 wheels and new tires.
After Rotardeds accident this year, there was no way I wanted to go through what he did. I highly recommended making sure you have the coverage that you want on your car, especially if you have modded it. I paid cash for everything done to the RX 7. Not being able to get my cash back is just a bad investment.