Ahh, so groovy to be able to drink from this well of knowledge...I should get my VX soon and insurance has been on my mind, given their rarity and the fact they're proudly known as PERFORMANCE (cha-ching) UTILITY (cha-cha-CHING) vehicles...anyway, my own record's pretty good these days, except for the 3 accidents in 12 months where I've been hit by other drivers and their cell phones...I will call Amica and State Farm and the Auto Club for quotes.