This also isn't a thread for a discussion about applying for a job or going to school in 3 months, but here we are...
My insurance agent didn't say anything about speed being a factor in my rates being so high and also didn't say anything about deaths being the factor either. He said that the rates are high because of the percentage of kids getting bikes to big for their skill level and wrecking causing the insurance companies to pay out constantly. There is a reason why insurance rates are higher on a big cc sportbike compared to a smaller one or even a harley for that matter.
Yes traffic is dangerous. Just as dangerous on a 250 as it is on a Liter bike. Difference is when you are going 60 and a car pulls out or merges into your lane, with experience you have the mind set to get out of that situation safely WITHOUT panicking. Panicking on a bigger bike means trouble. Again, it comes down to forgiveness. Smaller bikes are more forgiving to newb mistakes.
Also, you are less likely to go 100+ mph on a 250 as it isn't possible. It is also quicker to obtain that speed on a bigger bike which is EXTREMELY dangerous to someone that doesn't have a clue what they are doing. It is dangerous enough in a car let alone on 2 wheels. THAT is another huge reason why insurance rates are higher for big cc sportbikes.
Why do you think insurance rates are so high for Evo's and WRX's? Speed not a factor there? Same thing with a high cc bike.
at least the seller's making it right. 
WOO. Closest to Alex's titties that we're gonna get!