Let me start by saying that I am not paying above MSRP. To those of you that are willing to do this I have a question; Does your insurance cover your extra money above MSRP? Because here in Massachusetts the insurance companies will not let you get insurance that would make them pay you over MSRP. I discovered this a few years ago with a Harley. I got an extra $2,000.00 for my trade in and they were charging $2,000.00 over MSRP for the motorcycles. I got my insurance at the higher valuation and a week later I got a refund in the mail because the motorcycle was not valued at the inflated price. So, if you are paying $5,000.00 over list you had better ask your insurance agent this question.