For a few weeks now my passenger side seatbelt has been jammed pretty good, and I don't want to take it to some garage and have them charge me $150.00 to fix it. Is this something that happens a lot with the 99-04 models, or the 03 in general? I think it may be twisted where the mechanism is that lock it in place, but I'm afraid to take the vinyl off because it's already chipped a bit. Has anyone had this problem?