Six seat aircraft are rediculous to insure. For whatever reason that extra seat will add thousands to your bill. It burns a ton of fuel, which is expensive, and is a difficult aircraft to fly. It's fast, it's heavy, and not something I'd recomend for a low timer. SkyHigh hit the nail on the head.
Add to that the extra money you spend when you gear up that one. Either by your own accord or because of the fact that cessna's retractables have a horrid design.