Ya, I hear ya trotter. Called the insurance company for a quote.... They want $1500 a year for full coverage.
Rican, it has the nicer sound system. it's an 8 speaker set up so the mids and highs are covered for now. I got a friend who wrecked his truck, has a JL audio 12in sub and 400w mono amp sitting around. That is going in there next week.