How can I check my car value for insurance?

I’ve had my Subaru Forester for a few years now, and because I opted for the manual transmission, I’m starting to worry about wear and tear on the clutch. Would the clutch be covered under warranty, or is that something I would have to pay to replace?

Even though I speed regularly, I’ve managed to keep a clean record. However, my friend told me that I can get a reckless driving charge if I’m going too fast. What speed will earn you a reckless driving charge in Pennsylvania?

Every time I've purchased a car, the salesperson is always pushy about financing. Do car dealers get kickbacks from lenders?