$1200 is not expensive for bike insurance. I would be amazed if you pay that little for your first year riding on a 675. Many, many times, quotes have been revised once underwriters took a look. Honestly, assuming you are a new rider on a 675 that is <35 years old and in the GTA, I expect four times that for insurance. I'd be surprised if you got a $1200 insurance policy on a 250. My guess is either something is either very different about your profile or the agent messed up.