I hope you all don't think I am pestering you too much with all of my stupid questions, but I just want to make sure I have all the answers before I book our first cruise, and you guys certainly seem to be the experts! I got quotes last week from DU and AllSeas, and AllSeas was the cheapest. I decided to stop by a local travel agent yesterday so that I could get a Disney Cruise brochure, and she called me today with a quote. Her quote was about $350 more than All Seas, but it included all taxes, port charges & insurance. Does All Seas include insurance in their price? Is the insurance really necessary (we are in our mid 40's and in good health)? We would be getting two rooms (two teens also on trip with us), so when I look in the Disney Cruise brochure and they refer to the cost of insurance, they say 1st/2nd $49 per person and then 3rd/4th $39 per person. We would pay $196 since we have a 1st & 2nd person per room, instead of $176 (1st + 2nd + 3rd + 4th), right? Does that make sense? If I subtract the price of the insurance out of the TAs quote (since I don't think insurance is in AllSeas price), there is only about $150 difference in the price between the TA and AllSeas. Do I let the TA know that I have a lower quote and ask her to match it, or is that considered "tacky" (for lack of a better word)? I'm thinking I might feel more comfortable booking through the local TA since she is right around the corner and I can call her with all my stupid questions. Any thoughts? Thanks again for all your help!