From what i heard from the Cirrus rep i spoke to, most insurance companies want 1000total, and an Instrument for the SR22. The guy i posted about when i started this theard, the plane belonged to his father-in-laws company, and he was a named insured as a student pilot. They paid the hefty sum of $15,000 per year for it. Dont know what the limits were, but $15k per year was the price. I know this for a fact because the guy who checked me out in their plane was their insurance broker. I've got some time in a 2000 C-182 that our flightschool has, it flys OK. Pretty slow for the money, but reasonably roomy. Still, the Cirrus is Hands down a better plane. Faster, more room, faster, although not as forgiving, but as long as its taught right, its all good. Good Luck!