That’s the kicker, isn’t it? I used to roll my eyes at all the “extras” too, but after my first fender bender, I realized how fast those little costs ...

Honestly, I’ve always thought the state minimums are just a starting point, not a real safety net. You’re right—one accident and those limits disappea...

I get the temptation to drop collision, especially if the car’s not worth much on paper. But with classics, “book value” doesn’t mean much when you’re...