The Beginner

Hey Everyone, sorry to revive and old(ish) thread, I'm kinda new to talking on forums I'm riding an aprilia classic 50cc which is a moped with 5 gears and cruiser styling . My 17th is in two months and i'd been considering getting a dragstar 125 or a shadow 125 for about a year now. But then my friend reminded me that I can actually get a big bike and have it restricted and as soon as i found that out i had my heart absolutely set on getting a Dragstar 650. My only prolbems are: A: How easy will it be to get it restricted? and B: Will my insurance be a lot higher than if i got the 125? This place looks like good fun and i look forward to talking to you about my drag star when I finally get one!! Thanks, Ed