Last month I got cut off in traffic when a car didn't see me. I ended up low siding the bike and today the insurance company called me to tell me it was declared a total loss. This was my first bike an '07 gs500f. I put about 5k on it in last season when I got it. I felt pretty comfortable on it but I'd like to look at something a bit more powerful (and fuel injected!!). I'd like the 09+ 650r or a similar bike but I've also thought about a SS. The only thing really holding me back from a SS is the insurance since I'd like to get full coverage on it and I'm only 23. Is there a pretty big difference in insurance from a 650r to a 600ss? Or something else you guys would recommend?