I want to buy the 400r because of cheap insurance and more power than the 250, but i can get the 650r for just $800 more. That huge upgrade for just another $800 seems like a no-brainer, but I'm worried about the insurance jump. How much do you pay for your 650's insurance? I don't want to be paying over 80 a month. is the difference in power between the 400 and 650 a worthy justification for the extra insurance? I'll be using the bike as a daily city commuter, will often carry a passenger and will make the small trip to vancouver once or twice a month.