Superoo, with no SIDO and using a Fleet CO. Have you considered changing dealers? I did and got my T at least 2 months early. There is a thread here about what I did.... How I changed dealers Just a thought...Talk to Craig Waller at Westpoint, he hleped me and may be able to help you too. FWIW - Most leased cars are insured on a pooled insurance, that is they have 5000 cars and pay, for example $750 per car per year regardless of model/type. My car is insured thru my leas Co and is well under $1000 P.A.