Just bought a ’16 850. Have some questions!

Hey everyone. Just purchased a Sportsman 850 Base in White Lightning.

First off, I bought it for $7300. How did I do on price?

Second, I am looking to buy the frame braces for the front and rear because I ride hard and I feel that its necessary and acts like a small insurance policy for me, but do I need to purchase the pinion cover? Why would I need one, what happens to the front diff if I dont have one?

Down the road, I am looking to get the extended warranty before the 6 months is up. Is it worth it?

Last question: What is everyones insurance cost for a year look like? Trying to find the cheapest provider. Progressive has it for $430 a year. Sounds high, but that is because I am only 21 years old. No accidents, no tickets.

Future plans:
Big Gun Eco Slip-On
EPI Clutch Kit