Haha, "luck tax" is spot-on. I've been there too—upped my deductible to save some cash since my premiums were killing me (young driver + speeding tick...

Good point about insurance, but a couple things to consider: - Homeowner's policies often cap coverage for vehicles, especially classics or restorati...

Totally agree on belt tension—been there myself. Couple other sneaky things I've learned to watch out for: - Vacuum hoses: tiny cracks can cause weir...

Haha, exactly my experience. A few things I've noticed: - Premiums basically doubled overnight. - Took about 3 years before rates started dropping not...

Good point—been there myself. I'd also add: - Check carefully for exclusions on aftermarket mods or performance upgrades. - Some insurers sneak in cla...