Agreed, Ford Insure gave me a better price then State Farm only downside is that they do not insure motorcycles and so I kept my bike with State Farm as they were the cheapest for that.
I love my XL I never thought I would have a chance to buy a Maverick because I started looking for them when they first came out. And of course they were either overpriced or not available at all. I know at the time the XL wasn't my only option I had the option to get a tremor but after looking...
Not at all and with less then $500 bucks spent in accessories and a little spray paint and clear I have taken my XL and it looks just like an XLT. Since there is almost a $3k difference between the XL XLT that's just cost effective.