The biggest reason you should try to get a clean title, is insurance. If you're doing a late model vehicle and you have a salvage title some insurance companies will only pay out 40% if you total it. So you just bought a truck that books at 32k for 20k, put 4k in it. So you've got a 24k truck, someone runs a red light and totals your truck the day after you finish it. Their insurance says your truck is salvage so only 40% of 32k. 12,800.