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I will let you know how it turns out. My insurance agent said my insurance would run about $640 dollars a year on this truck. Wish me luck!
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Well just to follow up, I love my new Burrito, no it not a Taco. I am getting about 25 mpg driving around the mountains and city, have not really done a road trip yet. The insurance turned out to be cheaper then my wife's 2003 Subaru Forester. I have an Arkansas title in hand and have found many part are interchangeable with Tacomas and Tundras. It is a 1 ton rated frame and the 4x4 works well in my environment. If I shop around, I can find diesel here cheaper then regular, other wise it run about .30 cents more per gallon. It is a very tight truck on my rough dirt roads I live on and I have gotten used to shifting early and often being a small diesel engine. I don't know how the Mahindra would have compared, but I suspect the Hilux is probably better.
MikeO