I had to recently get new insurance myself, the Busa is actually costs more then my exotic super-car which is worth seven 08 Busas, and with all the mods I've done to it, probably 10 times as much!! Progressive did tell me next year it would go down though...but from what I can tell, its not going to be all that much. All in all I am paying about $9,000 a year just for insurance on all my vehicles but its full coverage. The bike has a $1,000 deductable but from what she told me over the phone if the busa gets totalled I pay $1,000 and get a brand new one, whatever the latest year available is. Still, if you total the Busa chances are your not going to be alive. It's best to get life insurance policy if your going to get stupid on the Busa.