From what I've seen in my 2-3 years in the dsm community is that the owner does not take care of their vehicle.thats why they break.and then there's time people buy a car older than 10 years old and expect for it to run fine with no problem just because they do their routine maintenance. regardless if you do that or not something will go. for example a thermostat or some other bs. or maybe a turbo that has well over 100k on it.... My car was ragged on by its original owner.I bought it off of him on this website. Had the same mods on it (fmic,bov, full exchaust, blah blah blah), that was untill it went under the knife recently.Needless to say I got on it from time to time and never had problem. except for a factory clutch that needed to be replaced but thats just like having to swap out brake pads.

and as far as insurance goes...i pay 140 a month for full coverage, 500 deductable,road side assistance and rental car insurance for everyday my car is at the shop. To me that's pretty cheap. It really depends on whos insuring your car. I'm 21 and i have USAA auto insurance