To be honest on the insurance question, it just depend on what company you go with and what coverage you want...I guess you can expect to pay anywhere from $200-$600 for liability and $500-$1200 for full coverage for 6 months....That's just rough estimate that I came up with by using what my friends are paying..Personally, i'm only paying $160 for six months on liability....I guess i can't complain..