Hi, fairly new to this site. Ive found it very helpful so far, thanks to all of you. anywho, I'm considering adding a used skid steer to my fleet. I have GL now and pay like 800 per year, but I'm wondering about what to expect to add to that when i purchase the equipment. my agent is tough to get a hold of and thought you all might be able to give me a ballpark. is it really painful?