In my opinion, you'd be probably make your life easier getting a Kawasaki ER6 - as a twin, it'll restrict far more easily than a straight 4 ever will (4's can be "strangled" by restriction, twins will lose top-end performance, but on the road you'll seldom use that top-end anyhow).
You'll need to get accurate quotes, but I found the ER6 cheaper on insurance than the Fazer (I actually bought my Fazer by accident rather than intention, although that said, I do love it).