I noticed our car insurance went up about $40 on our last renewal. I haven't checked the house, but will be shopping around for better pricing. We are in a suburban area, but have had the same company for a few years now and should be going down in price.

>to get more weight on the rear tires as the front is already weighed down by the engine

That is my thought. Trucks of all kinds are front heavy only. Downhill in icy conditions is especially dangerous.