The insurance rates were one of the biggest deciding factors for me when buying my bike. I originally wanted a CBR 1000 RR but the CHEAPEST rate I could find for one of those was almost $200 a month. A friend asked me if I had ever heard of a "naked" bike and the rest is history. It is amazing that insurance companies classify the Z the way they do. I laughed all the way to the bank!!I know, cant believe it. 2 years ago geico wanted around 1600 a year for coverage on my buell. Its funny how 2 years makes a difference. Im not sure if its my age or the bike itself. Maybe both.