RE: Need help
I would look around a bit, they surely have some coming in that are basic se models that the dealers sell as is.
I asked one of the local dealers if I could get a basic se and he said as soon as they get them in they put $3-4K of accessories on them. He did say they had one coming in that I could get but I had to tell them I wanted it so they knew not to add the accessories. Sounds as if that is what most of them are doing.
Can't help with the insurance, but I would think it would be reasonable if your driving record is clean. Good luck.