i already have everything i need for doing those things in my garage. i just need a lift to make it nice. ive thought about doing side work before but didnt want the hassle i guess. but when i hear how much people pay for brakes, struts and body work compared to the cost of the parts it makes me want to get into it. a/c too i have my cert from work people pay ridicules money for. residential and automotive
I can do most of the work myself. After my Cutty was wrecked from the back and the insurance company wanted to total it for about 1,500 dollars worth of damages. I never filed the claim from that. I just fixed it myself on my own dime. Wasn't that hard to do. I did take it to a shop and I asked them to make sure the body was in alignment and it was.
Really I think it depends on all factors. If you've had a lot of at-fault accidents, tickets, or other violations they would use it as an excuse to raise the rates, but if in general you're a non problematic customer they might not.