I'm a junior in high school, and have had a ninja 250 for about a year now. The 250 is my first bike, but when I was looking for a first bike I was extremely close to getting a 2006 695. Now I'm looking to upgrade(hopefully by the end of high school) to the 696. I really wanted a ZX-6R, but now it just seems stupid I thought of even getting one. I've heard that naked bikes are cheaper to insure? also would the 696 be a good second bike? I WANT ONE SOOO BAD.