On insurance, there's a lot of variability on where you live, how crowded it is, whether your state is a helmet law state (rates are somewhat lower in that case). That's why they always ask for your zip code when providing a quote.

I just paid my Progressive for the year, and out here in California I have to pay $1,350. The 650 Yamaha V-star is $405 for 12 months.

Now I AM going to call them to verify that this is an F6B, not a GW tomorrow. Thanks for the head's up on that.