A little help with price??

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Get another competitive quote. If none in your area due to it being rural, then based on the quote you got I would be tempted to order online from a reputable dealer and then have a certified installer or sweep install the insert.

If you decide to go this course, here are some options:
Englander 13NCi - http://www.overstockstoves.com/50tnc13i--epa-certified-noncatalytic-wood-stove--1550131500.html
Century CW2500 - http://www.dynamitebuys.com/store/cart.php?m=product_detail&p=1934
Napoleon 1402 - http://www.dynamitebuys.com/store/cart.php?m=product_detail&p=885
Osburn 1600 (or 2000) - http://www.dynamitebuys.com/store/cart.php?m=product_detail&p=1049
or a premium insert like the PE Super which even with shipping would be a deal compared to the quote: http://www.chimneysweeponline.com/pacsupins.htm
 
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