HELP ! Urgent !

Help me decide on a car .... they are both used, and lsited are the two options I can choose between:

1. 1997 Prelude, Auto Transmission, $18000, 90000 kms ..... I would love to get this car, but it would kill me on insurance. On the plus side, I probably would spend very little $ on mods for this car.... id probably just change the exhaust, maybe the lights as well ....

2. 1999 Civic SI, Auto, 77000 kms, $15500, and an automatic engine starter .... Not bad either, no spoiler, it is that metallic silver/grey color .... I would like to put a spoiler on there, change the tailights, change the exhaust, change tires and rims ... and a Civic SI wouldnt be as bad as a Prelude on my insurance.

F.Y.I. Prices are in Canadian dollars , I wont be doing any engine mods on the Civic if I end up getting it, just exterior appearance mods.... so now its up to you all .... list your thoughts, it might be some I didnt think of .... I would like to decide pretty soon.

Thanks !