Making the first payment and you haven't even sit in the seat..now that sucks....Myself I hate insurance. But being the poor bastard that I am...my daddy always said "you can have pretty much anything you want, just be sure you always pay your bills ", I think the Kubota 0% interest is a great deal. Of course you need to have insurance (which I hate, BUT used a few weeks back). When the tractor is paid off. I'll drop the insurance and hopefully be 'tractor smart' enough not to damage it again. I see last week on the local news ''a man was towing a car to jump start it when looking backwards went off the road into a ditch and rolled the tractor over killing him under the tractor." Having never owned a tractor of this size , I do understand to respect it and heed advise from others. As I remember one member saying, 'remember tractor work is slow steady therapy, never rush or hurry'..