Not to get to personal, but I'm wondering how much your paying monthly on your boat? I know is a very broad question so let's say:
Credit at or above 720
Bank loan for $15,000
I'm not sure the length of boat loans

In currently overseas so I can't exactly walk into a bank and talk to someone. I realize more info would be needed, I just want some round about prices.

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Well I just went through this about 3 weeks ago. I took out 13,000 with 5% interest rate for 48 months. Over all I will pay 14,250.00 if i wait the full four years. If i pay it off in a year then I will only pay 400 extra on the note. Each bank is different. If you have collateral like savings it helps.

Plus full coverage insurance?

"Money in savings" should not effect it. If it does, you might want to look at a new lender.

The boat, motor, trailer, etc serve as collateral on the loan. That is why the lender gets the title. Use a loan calculator. Enter how much you need to borrow, and for how long. Most places that deal with "boat' loans will go out to 8 year (I can't imagine doing that). If your credit is 700+, you should have no problem finding a rate around 2%. The down payment required can vary from lender to lender.

I paid cash for my boat, but I financed a Can Am Maverick. Same type of loan. I financed around 11,000 for 3 years. I didn't question what their down payment requirement was, because I already had a large amount I planned on putting down. That 11,000 for 3 years is costing me just over 300 a month at around 2%.

Failed to mention I don't have a lien on the boat.