Imagine if your car was a clunker, (back in the day, we would’ve called it a “hooptie”) but it was the only car you’ve ever known. Both your parents drove that car, practically raised you in that car, before passing it onto you. You drive it all through high school and college, doing your best to keep it running. Gradually, you start making improvements, you rebuild the engine, you put in new upholstery, give it a paint job, etc. You work hard, in your spare time off of work, for four or five YEARS, getting that car into nice shape. Eventually, you take it to a few car shows, you even win 2nd place once. Your name is in the paper, it’s a pretty big deal. You feel pretty great about that car.
Then one day you get a letter from your car insurance company. They congratulate you for getting second place at the car show! Also, by the way, they need to double your insurance premiums. WAIT, WHAT?! Your car has become so valuable that you can no longer drive it.