That's a good point about deductibles—makes me wonder, is there a sweet spot for deductible amounts? Like, at what point does it become worth it to ju...

Does anyone know if these specialized insurers tend to lock you into longer contracts or have hidden fees? I'm all for stability, but worried about ge...

Good points about periodically checking spares—never thought about rotating belts into use before. But how often would you recommend swapping them out...