I paid $22k for mine not counting the usual taxes. That was full price, not counting the extended warranty. I didn't quibble about it. I wanted the car and had the money. My chief worry was that Honda would not sell the car in 2007 so I want one now.
Frankly I counted myself lucky to have found one close to home, on a dealers lot, and that the dealer could sell.
My new 5 speed MT Insight (a.k.a. Power Puff) was sold at MSRP. The dealership would offer no deals on this car. I had to order the car and wait 2 months for delivery.
The Manual Transmission 5 speed will not qualify for the Federal tax credit since it is only an Ultra low emission vehicle and not super ultra low emission.
The Insight auto CVT is super ultra low emission and does qualify for the tax credit.
Also check with your state's Dept of Environment for possible rebates. Pennsylvania offers a $500 rebate for certain cars and both models of Insight do qualiof for that incentive. All of these offerings are limited...sort of first come first serve till the $ runs out.
By the way, I love my new Insight!!!