I know your insurance rates ought to drop down to at least as low as 1/3 the cost of the R3.What cc are they 2300cc,or 2400cc somebody told me.I think 2300cc.Down from that to 865cc.Hay are the rates cheaper on the America than the Speedmaster because of the name:SPEEDMASTER? I would not dought it.I got an 05 Speedmaster.Diffently slower than the R3 unless going through some tight turns.