if financing thru Kubota ( awesome deal ) then the insurance is required from Kubota. I purchased my 2011 bx2660 as a left over in march of 2012. I got zero financing, paid like 14, including loader, and deck. The insurance was $700 for the duration of the loan and I rolled that cost into the loan, knowing I would not be paying off early. I put a substantial amount down, and my payments for 4 years was like 160 bucks a month. with zero financing, they were paying me not to pay off early. Kubota zero financing really is an insane deal.
The good news is that the mandatory Kubota insurance covers EVERYTHING. If you wreck it while towing it on a trailer, covered. House or barn fire and you lose the tractor in the fire, covered. It is phenomenal coverage. The only thing that sucks is the cost of the same insurance after your loan expires. They wanted something like $300 a year or more from me to continue the coverage once my loan was paid off. it sucks because my homeowners doesn't cover the tractor if I lose it in a fire, and my Kubota is parked in my attached garage all the time. I think I even asked for coverage on it and my Allstate guy said they don't offer that. Weird, I thought they may have had a rider or something for it.
To answer the OP's question, there is very little wiggle room in price for NEW kubotas. Now, used trade ins, TONS of room. But good luck getting a dealer to give away a used Kubota tractor. I purchased my tractor new because anything similar in my area of upstate NY which was used was literally only a grand or 2 less regardless of hours. Kubota's hold there values tremendously up here. I don't care what any Kubota haters say, Kubota to tractors is like Toyota to cars. Almost bulletproof if taken care of well.
Good luck.