So I went a bought a Philips-Magnavox (PMDVR8) universal remote from Best Buy for about $28. It controls DVRs and learns codes, so I figured it would do the trick. Insignia was not listed, so I figured I would program the thing. It worked GREAT. I had to put the two remotes a bit closer than the instructions said, but I was able to teach the new remote all of the buttons from the original Insignia remote. It took about 15 minutes, because you do each button individually, but it was far faster and less frustrating than anything else I tried; and it works.

I would suggest this remote to anybody having problems, heck it is even free shipping from Best Buy right now (1/30/06). Here is a link:
[Link: bestbuy.com]