I actually was going to buy a Ninja 1000. I took one for a test ride last summer. It is a great bike. However, when I checked into insurance I changed my mind. I must have inquired with a dozen insurance companies. The cheapest insurance I found cost way more than I was willing to pay. I decided to go a completely different direction and get the FJR. Insurance on the FJR was about 1/3 of what it would have been on the Ninja 1000. The Ninja is the only bike out there that my wife likes more than her Bandit, so I'm hoping the insurance companies get their act together and stop treating it like a ZX-10. For the type of riding I do, the FJR is really a better fit for me, but I'd love my wife to get one so I can borrow it frequently.
I looked hard at the new Ninja 1000 last fall. I also looked at the FJR but I deceided to go with the Ninja because it was a bitt smaller. I picked up the phone to tell the dealer to get her ready... and I thought "maybe I should check the insurance first". I'm 38 years old with a perfect record and perfect credit... how bad could it be??? It was SKY HIGH!!! I was shocked! I am an insurance agent so I should know what to expect but I was truly blown away. I even checked other companies other than my own... and they were all high.
I ended up going with a left over 2009 Aprilia Shiver. I liked the idea of it being a smaller, get around town, type of bike... and it is. I love it for around town...tons of fun...but it's not very confortable on the interstate. So I'm back to looking for a sport tourer. It looks like the FJR is the way to go... at least until the Ninja 1000 comes down on its insurance cost.