Well, the insurance problem has been solved. Funny as it is, I'm with the company I have my car insurance with, State Farm. 2 weeks ago they quoted me almost $300 for 6 months. After talking with another agent in the same office it's now down to $89 for 6 months with almost the same coverage. Turns out some things are extremely expensive that are not really necessary. I'm getting excellent insurance for a damn good price so I'm pretty happy.
Really want to thank everyone for all the great info. You guys are the absolute best! To me this site is indispensable.
Thanks again everyone and be safe, mscmkr