That rate is crazy for 3 bikes! I tried to convince my insurer that I can only ride one bike at a time, but they would only provide a 20% discount for each additional bike.Webfors, I've found that as I got older, my insurance dropped, no real news there.
I just got the bill for my insurance renewal for my '14 DL1K, '00 ZRX1100, and '81 CB750K. Full coverage on the DL,
liability only for the other 2. $400 for all. One of the few benefits of getting older, lol.
No matter 650 or 1000, both are excellent machines at a great price. Any owner can justify one choice over the other. But to me, it isnt a matter of one merely being a larger version of the other. Ive ridden both, and I really liked the 650. But 1000 just suited my preferences more than the 650. Others may have an entirely different experience, and there's absolutely nothing wrong with that.
I keep my motorcycles long-term. Bought new, Ive had the ZRX 19 years, the 750 38 years. I still enjoy both along with my Vstrom, which I may be riding into the sunset. At the time I compared the ZRX vs the Bandit1200, and the CB750 vs the KZ750 and GS750. I rode them all. I picked what I have based on my own personal needs, wants, and preferences. No wrong or right. Just what worked for me. Just like how I picked the 1000 over the 650, the Super Tenere, the Africa Twin, the Versys 1000, and the FJR1300.