if you get too high then the insurance company will total your vehicle. you can then buy it back for cheap but you'd have a salvage title.
dealers are usually higher than others, but i know one fellow about 80 miles south of OKC who is high, but also one of the best painters in oklahoma. his name is Curtis Hutton and he is in Marlow, okla. there is also a guy named Jim Cobb who is in Marlow and also super good. generally super good turns into super high. but not always.