Honestly, I didnt' even look into it that far. I can't think of a reason to use a where condition when inserting. good catch Using the where when performing an UPDATE would be better. I am not sure when you would want to use the WHERE clause when inserting - my bad...heh!
I added the USERID field as an example for good practice. If you would like to update a particular record, using the WHERE clause will only update the record WHERE a field has the same value as what is in the table. (e.g. If you want to update a record for a particular user - you would write the SQL statement to use a WHERE userid = the passed userid value. This is assuming you are using userid as a field in the users table)