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Is there a difference between a vision tour premium and vision tour? I don't see anything about it on Vics site but always read posters add premium to the end of their model. So, are there premium and non premium models?

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I have an '09 Tour Premium and there's not that much difference, mostly superficial. The premium comes with chrome tip overs, billet wheels, chrome controls, that kind of stuff. Pretty sure the heated seats & grips, power windshield, & cruise control are standard equipment.
 

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ByteN2it got it right, essentially more chrome. In 2008 there was the Vision Tour, the Vision Tour Comfort, and the Vision Tour Premium. Price points are in this article: 2008 Victory Vision | motorcycle review @ Top Speed Victory started blacking things out in models after 2008 and 2009 to keep costs down in my opinion.
 

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the only real difference is speakers in the trunk.
 
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