I've needed insurance inspections on vehciles over 10 years old, and I honestly had one mechanic fail my car because of a streaking windshield wiper. It makes a big diffference what mechanic you take it to.

Also, a mechanic has a financial incentive to fail at least a couple of things on any vehcile as long as they think you will get the repairs done at that shop. Most dealerships will assume this.