BIG Difference... Who is your carrier, that makes a difference, how's your record, that makes a difference, where in NYC? Manhattan, Brooklyn, Queens, BX, SI? that makes a difference. Just call your carrier and ask em. U Know Wut? you just helped me decide to keep theSL and modify the hell outta it. I got 10 pt's on my license. 2 more I'm through, my insurance is already through the roof and I'm not mature enough to drive the speed limit all day all night w/ a vr-4. License would be Revoked not suspended but revoked if I got my hands on a vr-4 and did all the mods my mind and wallet would allow me to. Hell when I'm done with the sl I'm looking at 340-350 horses. A vr-4 I could easily get 440 + horses Easily. 440+AWD=prison sentence if you know what i mean