Kinda hokey...

Just placed my first Classic Industries order. I was rather pleased with myself that I was able to take advantage of the Free Shipping ($99.00+) feature as shipping was nearly $20.00 without it. But not really happy to see a $3.95 "insurance fee" got tacked on to the bottom line of the invoice. Really? They are brake parts. Not likely to get damaged unless the truck goes into a lake or burns up. Usually, insurance is an option. Not in this case. Anyone else take issue with this on their orders?