I think 'Big Jim' has it right...or at least that was my understanding as well...
As for insurance...AAA classifies SVT as a mid-size family sedan...NOT a performance vehicle, and thus no additonal fees...I could expect to pay about the same for a Chrysler Cirrus or Toyota Camry or Honda Accord (bit less for Toyoat and Honda...seems japanese cars get slightly lower insurance rates to comparable US cars)
