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Yamaha Zuma 125 Buyer's Guide: What to Look for Before ...
Yamaha Zuma 125 Buyer's Guide: What to Look for Before You Buy
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When looking for your first Yamaha Zuma 125, or any Yamaha motorcycle for that matter, it is important to do your research. This Yamaha Zuma 125 buyer's guide will go over what you need to look for before making your purchase.
The first thing you want to consider is what type of riding you will be doing. If you are looking to use the Zuma 125 for off-roading, then you will want to look for a different model than if you are looking to use it for commuting. Each model has different features that are better suited for different types of riding.
Once you have decided on the type of riding you will be doing, the next thing to consider is your budget. The Zuma 125 range in price from $ to $, so you will want to have a rough idea of how much you are willing and able to spend.
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Important Factors to Consider When Buying a Yamaha Zuma 125
There are many things to consider when purchasing a Yamaha Zuma 125 motorcycle. Here are important factors to keep in mind to get the best motorcycle for you.
First, consider what you will use the motorcycle for. If you plan on using it mainly for commuting, then you might want to consider a different model than if you were looking for a motorcycle to take on long road trips. The Zuma 125 is a great option for commuting, as it is fuel efficient and has low emissions. It is also a good choice for those who want a motorcycle that is easy to maneuver and handle.
Another important factor to consider is your budget. The Zuma 125 is an affordable motorcycle, but it is still a good idea to set a budget before you start shopping. This will help you narrow down your choices and find the perfect motorcycle for you.
Once you have considered these factors, it is time to start shopping around. There are many Yamaha motorcycle dealer in San Diego, so take your time and visit NCY Motorsports to see our options. Compare prices and models to find the perfect Yamaha Zuma 125 for you.
Weight and Dimensions of the Yamaha Zuma 125
When it comes to finding the perfect two-wheeled machine, weight and dimensions are certainly important factors to consider. So, how does the Yamaha Zuma 125 stack up in these departments? Lets take a closer look.
This Yamaha model tips the scales at 278 pounds. Thats not the lightest scooter on the market by any means, but its not the heaviest either. For comparison, the Honda Ruckus has a dry weight of 230 pounds, while the Vespa LX150 weighs in at 266 pounds. So, the Zuma 125 is definitely on the heavier side, but not excessively so.
As far as dimensions go, this scooter has a length of 77.6 inches, a width of 30 inches, and a height of 43.7 inches. Again, this puts it on the larger side as far as scooters go. However, its compact size is still one of its major selling points especially when compared to motorcycles.
Despite its size, the scooter is actually a pretty nimble machine. Its easy to maneuver through city traffic and tight spaces. And, thanks to its powerful 125cc engine, it has no problem keeping up with traffic on the highway.
Engine Specifications of the Yamaha Zuma 125
The Yamaha Zuma 125 is a scooter with a lot of power. It has a 125cc engine that is air-cooled and 4-stroke. The transmission is automatic and it has a belt drive. The fuel capacity is 2.6 gallons and it gets an estimated 83 mpg. The Zuma 125 has a lot of features that make it a great scooter for anyone looking for a powerful and efficient ride.
Safety Features to Look for in a Yamaha Zuma 125
When it comes to choosing a Yamaha Zuma 125, safety is always a top priority. There are a few key safety features to look for when you think about buy this scooter.
One of the most important safety features to look for in a Yamaha Zuma 125 is ABS brakes. ABS brakes are a great safety feature that can help you stop your scooter quickly and safely. Another important safety feature to look for in a Yamaha Zuma 125 is a seat belt. Seat belts are a great way to keep yourself safe while riding your scooter.
Yamaha offers a variety of different seat belts for their Zuma 125 models. Some of the seat belts that Yamaha offers are standard seat belts, racing seat belts, and even seat belts with airbags. Seat belts are an important safety feature to have in a Zuma 125 because they can help keep you safe in the event of a crash.
Another important safety feature to look for in a Yamaha Zuma 125 is a headlight. Headlights are a great way to see and be seen while riding your scooter. Yamaha offers a variety of different headlight options for their Zuma 125 models. Some of the headlight options that Yamaha offers are LED headlights, Halogen headlights, and even HID headlights.
Quality and Reliability of the Yamaha Zuma 125
The Yamaha Zuma 125 is powered by a 125cc engine, making it capable of reaching speeds up to 60 mph. Its also equipped with a CVT transmission, meaning its easy to operate and doesnt require shifting gears. This makes the Zuma 125 a great option for both beginners and experienced riders.
One of the best things about the Zuma 125 is its 95 mpg fuel efficiency rating. This means you can save a lot of money on gas, and you wont have to stop for refueling as often. The Zuma 125 also has a large under-seat storage area, making it easy to store your belongings while youre on the go.
Where to Buy the Yamaha Zuma 125 at the Best Price
There's no question that the Zuma 125 is one of the most popular scooters on the market today. It's stylish, fun to ride, and relatively affordable, making it a great option for both first-time and experienced riders alike. But where can you buy the Yamaha Zuma 125 at the best price?
The scooter is widely available from dealerships and online retailers, but prices can vary quite a bit between different sellers. To get the best deal on a Yamaha Zuma 125, it's important to do your research and compare prices from multiple sellers.
One of the best places to buy the Yamaha Zuma 125 is at NCY Motorsposrt. As a Yamaha dealer San Diego we have competitive prices on both new and used models, and we can also provide helpful information and advice if you're not sure which model is right for you.
No matter where you end up buying your scooter, be sure to take some time to test ride it before you make your final purchase. This will help you make sure that the model you choose is the right one for you and that you're comfortable with its performance.
How to Buy a Motorcycle (The Ultimate Guide)
Hurray! High five! Yay! Youve decided to buy a sweet new ride. Its a big decision and a serious purchase. But, not to worry. Luckily, youve found our ultimate guide to buying a motorcycle.
This guide is chock-full of advice, tips and resources. Were here to help make your upcoming motorcycle purchase organized and stress-free.
Lets get started!
Things to Know Beforehand
Before you start shopping, its important to know the expenses and fees that come with a motorcycle purchase. Its also important to have a payment plan in place.
Continue reading below to determine your budget. If youve already done so, skip ahead to part two, Steps of the Purchase Process.
1. Know the expenses.
The following are routine expenses that come with motorcycle ownership. Make sure you factor these expenses into your budget.
Safety Gear
One of the most important purchases for new riders is safety gear. Experienced riders should also buy new gear before purchasing their next motorcycle.
This is because the protective materials of the gear will continue to degrade over time. Therefore, you should replace your gear every two to five years. Do not wait until there is noticeable wear and tear. Often, this deterioration is not visible to the naked eye.
Motorcycle gear may seem expensive, but your life is priceless. Investing in your gear is investing in your safety.
Its important to have the following gear before purchasing a motorcycle:
A helmet
Purpose: protects your head and neck in the event of a crash, and protects you from windblast, insects, the elements, pollutants and airborne hazards
Cost: $100 to $600
A protective jacket
Purpose: provides protection and comfort for your upper body
Cost: $100 to $600
Riding boots
Purpose: To protect your feet from injury, offer foot and ankle support and provide traction
Cost: $100 to $250
Gloves
Purpose: To protect your hands from potential injury, blisters, wind, sun, and cold
Cost: $30 to $250
Riding pants
Purpose: serve as a protective barrier between you and hazards to prevent injury to your lower body and shields you from the elements
Cost: $30 to $600
Want more information on gear? Check out our in-depth discussion on riding gear.
Insurance
Most states require liability insurance at a minimum. Speak to an insurance professional about the laws that apply in your state.
The Insurance Information Institute (III) is a great resource for learning more about insurance coverage and for finding the coverage that best serves your needs. Weve provided some information from their website below.
Coverage options:
- Liability insurance
- Motorcycle collision insurance
- Comprehensive coverage
- Coverage for customized motorcycle parts
- Uninsured/Underinsured motorist (UM/UIM) coverage
Factors that can affect the cost of your insurance rate:
- Your age, your driving record and where you live
- Type or style of motorcycle you ride
- Age of the motorcycle
- Number of miles you ride a year
- Where you store your bike
The average cost of motorcycle insurance in the US is $702 per year ($58.50 per month). Check out this resource created by ValuePenguin/Lending Tree® to see the average cost of motorcycle insurance in your state.
Maintenance and Repairs
Its important to get your motorcycle serviced routinely. This will lengthen the life of your motorcycle and ensure your safety.
Make sure to check your owners manual to see how often your motorcycle needs to be serviced. If youve misplaced your manual, you may be able to find a copy online. For instance, Harley-Davidson has an H-D Service Information Portal in which you can simply enter your VIN to see the owners manual and maintenance schedule.
The Six Areas of Motorcycle Maintenance
- Tires and wheels
- Controls
- Lights and electrics
- Oil and other fluids
- Chassis
- Stands
An easy way to remember these six areas is by using the Motorcycle Safety Foundation (MSF) acronym T-CLOCSsm.
Our motorcycle inspection checklist gives you a list of the most important items to consider in motorcycle maintenance.
You can use the checklist to keep up with the condition of your motorcycle in addition to getting routine servicing. You can also use the checklist during the purchasing process if you plan to buy a used motorcycle.
How often your motorcycle needs to be serviced greatly depends on its year, make, model and your riding habits.
On average, the cost of motorcycle maintenance is approximately $1,000 per year. Thats about $80 per month to factor into your budget. Also, make sure your budget includes additional funds for the cost of unexpected repairs.
Gas
A motorcycle requires fuel to operate, unless you plan to purchase an electric motorcycle. In that case, you can skip to the next section.
Lets discuss how much money youll need for gas per month.
The average motorcycle fuel efficiency is 50 miles per gallon. And, many motorcycles require premium gas. According to the American Automobile Association (AAA), the average cost of premium gas in the United States is approximately $3 per gallon at this time in .
On average, motorcyclists travel approximately 200 miles each month. Therefore, most riders will use about three gallons of gas per month. This equates to $12 of gas per month. Feel free to add or subtract to this amount based on how often and far you ride.
License and/or Training courses
According to the National Automobile Dealers Association (NADA), the cost of a motorcycle license is normally under $50. And, an endorsement added to your current license could be as little as $10.
Contact your local DMV (Department of Motor Vehicles) to find out the exact cost in your state.
A motorcycle training course costs $100 to $400, depending on your area. One of the most popular training courses, nationwide, is the Motorcycle Safety Foundations Basic RiderCourse.
MSF offers courses for riders of all skill levels. They have four different levels, each offering several different courses.
2. Know the fees.
When you purchase a motorcycle, you can expect to pay a few fees. However, there are more fees associated with buying from a dealership than with buying from a private seller.
Keep in mind that the private purchase fees listed below are optional. Whereas, most dealer fees are mandatory and more expensive.
General Fees
Lets start by discussing the fees that are required for both dealer and private purchases.
Title
A certificate of title is a legal document that establishes vehicle ownership.
If you decide to buy your motorcycle in cash, the title will be transferred to you during the purchasing process.
If you decide to finance your motorcycle, the lender will typically hold the title. Once your motorcycle is paid off, the lender will transfer ownership to you and give you the certificate of title document.
In a private sale, the seller is required to provide a current odometer disclosure on the title at the time of sale. Then, both parties are required to sign and date the document.
Per usual, requirements vary widely by state. Check out AAAs Digest of Motor Laws to get a general idea of your states title transfer requirements. As always, contact your local DMV to verify the guidelines.
Title fees also vary by state and cost up to $100. You can also check out AAAs Digest of Motor Laws to view your states title fees.
Registration and License Plate/Tag
Once you purchase a vehicle, you must register it with your state government at your local DMV. Although many locations accept walk-ins, its best to make an appointment to avoid long lines.
General Vehicle Registration Requirements
- Have a title in your name.
- Pass an emissions test or smog check, if required by your state.
- Pass a vehicle safety inspection.
- Have insurance.
The requirements above vary by state. For state-specific vehicle registration requirements, contact your local DMV.
When you register your motorcycle, you will receive a metal license plate, a validation decal and a registration certificate. Registration fees vary by state and are about $3 to $95.
Plates (tags) are required for vehicle identification and in some states are an additional fee.
Check out AAAs Digest of Motor Laws to view the motorcycle registration fees for your area.
Some dealerships will process your registration, provide you with a temporary paper tag and have the metal license plate mailed to your home. Of course, this service is offered at a fee. Well discuss this further in the dealership fees section.
Sales tax
If your state, county and/or city requires citizens to pay sales tax on their motor vehicles, by law, you are required to pay taxes on both public and private purchases. So, yes, if you buy a motorcycle from a private seller, you are still required to pay taxes.
However, there are a handful of states that dont have sales tax. Lucky you!
Sales tax varies by state and ranges from 0.50% to 7.25% of the purchase price, plus county tax if applicable.
For example, the state tax in Florida is 6%, and the county tax in Pinellas County, Florida is an additional 1% on the first $5,000 of your vehicle. Therefore if your motorcycle costs $10,000, you would pay ($10,000 x 6%) + (1% x $5,000) in taxes. That equals $650.
Make sure to contact your local DMV to learn about the tax rates for your state, county, and/or city. If your area has a sales tax, youll need to bring the Bill of Sale to the DMV when you go to register your motorcycle. The DMV representative that assists you will collect the sales tax at that time.
Dealership Fees
Purchasing a motorcycle from a dealership can be expensive. However, it does have its benefits.
Although there are extra fees, buying a motorcycle at a dealership is a one-stop shop. Plus, the dealer handles most of the paperwork. In the end, its all up to your personal preference.
The fees listed below are general guidelines. Be sure to contact your dealer representative to get more detailed information.
Profit and Commission
First, a dealership buys a motorcycle from the manufacturer or a private seller. Then, the dealership sells that bike to a customer. In order to make a profit, the dealership must sell that bike for more than they purchased it for.
- Invoice Price: the price a dealer pays a manufacturer to buy a motorcycle
- Manufacturers Suggested Retail Price (MSRP): the recommended retail (sticker) price a motorcycle manufacturer suggests to dealerships
- Retail price: the actual sticker price a dealership chooses to sell a motorcycle for
Manufacturers do not disclose their invoice prices to the general public. Those numbers are kept confidential between them and the dealership. Also, many manufacturers no longer disclose their official MSRPs to the general public, and therefore neither do dealers.
The profit a dealer makes from the difference between the invoice price and the MSRP is often considered off-limits for negotiation. After all, they have to make money somehow.
Some dealerships may charge more than the MSRP. This depends on factors such as demand, availability and perceived value of the motorcycle. (Not yet including fees.)
And, if youre buying a used motorcycle from a dealership, theres really no way to know what the dealership actually paid for it. There are a few different scenarios:
- The dealer bought it, new or used, for its actual value.
- The dealer bought it, new or used, for a price less than its actual value.
- The dealer bought it used for less than its actual value, but they had to spend a significant amount of money on repairs.
The best thing you can do is to research and shop around. For example, if youre interested in a brand-new CVO Street Glide, check the Harley-Davison website for their retail price. Then compare that price to dealership prices.
If you notice that the lowest/most common price is equal to the price on Harleys website, its likely the MSRP. Dealers typically dont advertise motorcycles below this amount. But, its possible to get a deal if you meet with the dealer in person.
However, if the price is higher than the MSRP, dont automatically assume its a rip-off. Remember, dealers take into account demand, availability and perceived value when pricing a motorcycle.
And, contrary to popular belief, most dealerships dont have huge profit margins. So, we dont recommend barging into your local dealership demanding a lower price because you know how motorcycle pricing works.
Instead, find a motorcycle thats within your budget, markups, fees and financing included. Then, attempt to negotiate a lower price based on the out-the-door price.
You can negotiate yourself out of paying bogus fees. Some examples are the loss of productivity fee, pre-purchase inspection fee, regional ad fee, additional markup fee and administrative fee.
You can also negotiate a lower price based on the pricing information youve gathered because you have a general idea of what the dealership might have paid for it. Just dont give off the impression that youre trying to strip them of any and all profits.
Want to know how to negotiate? Well discuss negotiation techniques later on in this guide. But, feel free to jump ahead for more information.
Freight
Dealerships charge freight fees to cover the cost of transporting the motorcycle from the manufacturer to the dealership. This fee is typically determined by the value of the motorcycle and the distance from the warehouse. Dealership freight fees can range anywhere from $300 to $900.
Set up
Once the dealer receives the motorcycle, theyll need to assemble it and prepare it to be sold. This is known as the set-up fee, and it can range from $150 to $450.
You may be thinking, Thats ridiculous! If you feel that the cons outweigh the pros when it comes to buying from a dealership, consider buying a gently used motorcycle from a private seller instead.
Documentation
After you purchase a motorcycle you must register it with your state government. Many dealerships will process your registration for your convenience, which saves you from the dreaded trip to the DMV. This convenience, of course, comes at a price.
Dealerships also charge a fee for processing the title paperwork and any other documents prepared during your service.
The total documentation fee can range from $100 to $500.
Private Purchase Fees
Private purchase motorcycle fees are less expensive than dealership fees. You can actually avoid all four fees listed below.
For example, you can avoid shipping and escrow fees by purchasing a motorcycle in person, locally.
You can avoid buying a vehicle history report by asking the seller to provide it. Or, by asking them to provide you with maintenance documentation.
You can also avoid paying for a motorcycle inspection by asking the seller to provide inspection documentation, asking a friend to do the inspection or by doing the inspection yourself.
Shipping
If you plan to privately purchase an out-of-state motorcycle, make sure that you are speaking with a legitimate buyer and not a fraudster. Then, find a reputable shipping company to transport your motorcycle safely.
Many shipping companies offer free quotes on their website. This fee is based on several factors. On uShip, a shipping marketplace, fees are typically based on the distance of travel, make and model of the motorcycle, expedited shipping, residential fees and insurance coverage.
On uShip, the average shipping cost for a motorcycle is $350 to $700 for 1,000 miles. Shipments under 1,000 miles cost about $180 to $300.
Escrow Service
If your privately purchased motorcycle will be shipped to you, we recommend using an escrow service to secure your transaction.
An escrow company is a trusted third party that accepts the buyers payment and holds those funds during the transport of the motorcycle. Once the buyer receives the bike, the escrow company sends that money to the seller.
Many escrow companies have fee calculators on their websites. This fee is a percentage of the items cost. Motorcycles can cost $6,000 to $50,000. Based on this price range, escrow fees are approximately $160 to $450.
Vehicle History Report
If you want to verify the condition of a motorcycle before you buy it, you can order a vehicle history report. For a fee, you can generate a report on a motorcycle by simply entering its Vehicle Identification Number (VIN).
This report can provide information on the motorcycles registration history, warranty information, service history, salvage titles, major accidents, etc. However, keep in mind that this report may not be comprehensive as some information may not be available if it was not reported by the previous owner(s).
One of the most popular vehicle history information services is CarFax. One CarFax vehicle history report is $39.99. They also offer bundle deals.
Motorcycle Inspection
If you want to get the motorcycle inspected, it may be best to ask the seller after seeing it in person.
When you start speaking with the seller, they will be gauging your level of interest. From the sellers point of view, if it seems unlikely that you will purchase the bike, it wont be worth the time and energy to get it inspected. After all, time is money.
Speak with the seller over the . Ask them if they can provide maintenance documentation and/or a vehicle history report. Then, meet with them in person.
If you still feel uneasy about the condition of the bike after seeing it in person, you can get it inspected by a professional motorcycle mechanic. Motorcycle inspection can cost between $50 to $100.
To avoid this cost, you can ask a friend to inspect the bike. Or, if you feel comfortable with your motorcycle knowledge, you can do the inspection yourself. It may be helpful to use our checklist from the maintenance and repairs section to make sure you cover all areas of inspection.
Now that you know the fees, you can factor each one into your budget.
3. Know your payment plan.
Now, you can decide how you will pay for your motorcycle. You have three options: buy in cash, make a down payment and finance the remaining balance or finance the entire amount.
If you plan to buy your motorcycle in cash you can skip this section on mapping out your expenses and fees.
Get a credit score report.
Start by figuring out your credit score. Many companies offer free reports, including Credit Karma. Many credit cards also offer free reports in your online account.
Keep in mind that if you finance your motorcycle at a dealership, they may use a different company to run your credit report than you did previously. Therefore, the report they receive may show a different score than the report you received.
Your credit score will have a direct impact on your interest rate. The higher/better your credit score is, the less interest youll have to pay. The lower/poorer your credit score is, the more interest youll have to pay.
Credit score less than ideal? Check out our in-depth discussion on how to buy a motorcycle with poor credit.
Credit Score Range
According to Credit Karma, poor scores are 300 to 600, fair to good scores are low 600s to mid 700s, and very good and excellent scores are above the mid 700s. Check out the table below to see what category you fall into.
FICO ScoreAPR760-.442 %700-.664 %680-.841 %660-.055 %640-.485 %620-.031 %Keep in mind that the rates above were published in October . APR rates may change over time. You can keep up with any changes by visiting Credit Karmas website or by speaking with your financial service provider.
Explore financing options.
Now that you know your credit score, you can begin to explore the different financing options available to you.
Types of Financing
- Dealer financing
- OEM (Original Equipment Manufacturers)
- Bank or credit union
- Personal loan
- Rider-to-Rider financing
- Credit card
Not sure if you should finance your motorcycle? Check out our blog post about financing your motorcycle for detailed information on each option above.
Estimate your monthly payments.
To get an estimate of your monthly payments, you can use NADAs motorcycle loan calculator.
- Start by entering the Kelley Blue Book retail value of the motorcycle you want.
- If you have a motorcycle youd like to trade in, enter its trade-in value. (The retail value and trade-in value will be generated simultaneously on Kelley Blue Book. Keep in mind, NADAs website does not calculate motorcycle trade-in value.)
- If you plan to make a cash down payment, enter that amount.
- Enter your anticipated interest rate based on your credit score by using the APR table above.
- Enter in how many months you plan to pay off the loan. (The longer the term, the lower the monthly payment, but the longer youll have to pay.)
- Choose your states sales tax from the drop-down list provided on the webpage.
Map out your expenses and fees.
Separate your costs into two categories; initial and routine. Separating your costs will help you solidify your payment plan.
Heads up. Your total costs will be significantly higher the first month of your motorcycle purchase, especially if you are a new rider who needs a full set of safety gear. But, theres good news. In the following months, your costs could be as low as one-fifth of your initial expenses and fees.
Initial Costs
These expenses and fees are non-recurring, with the exception of annual registration fees, training courses and safety gear (which should be replaced every two to three years).
Expenses
- Safety gear
- License and/or training courses
- Down payment and the first monthly payment (if financing) or the full cost of the motorcycle (if paying in cash)
Fees
- Title fee
- Registration and license plate fees
- Dealership or private purchase fees
- Sales tax
Routine Costs
These costs occur on a monthly or yearly basis, with the exception of fuel, maintenance and repairs, which may vary.
Routine Expenses
- Monthly insurance payments
- Monthly motorcycle payments (if financing)
- Maintenance and repairs
- Fuel
Routine fee
- Annual registration fee
Steps of the Purchase Process
4. Start your search.
You already chose the type of motorcycle you want. Now its time to choose a specific make and model.
Find online marketplaces or dealerships.
If you plan to buy from a dealership, start by browsing the web for dealerships in your area. You can use Google Maps to find the ones that are closest to you.
For more information, please visit OEM moped cost.
For instance, you can enter motorcycle dealerships St. Petersburg, FL. Or, you can use the tool on our website to find a dealer near you by simply entering your ZIP code.
If you plan to buy from a private seller, search online for motorcycle marketplaces. There are several options including ChopperExchange, eBay Motors, Facebook Marketplace and Craigslist.
To find other online marketplaces, you can google phrases such as, buy a motorcycle online or motorcycle marketplace.
Verify reputability.
One way to verify a companys authenticity is by calling them. A reputable business will have a customer support line.
You can also search the internet for reviews, such as Google Reviews. Nowadays, a business should have an online presence. If you cant find any information on the internet about that company, it may be a red flag.
Also, check and see if that company has any active social media accounts. Most businesses have at least one. The most common social platforms for businesses are Facebook and Instagram.
Once you find their account(s), look in the comment sections and see what people are saying about their business.
Search online.
Most dealerships have a tool on their website that you can use to search through available inventory. If you cant view the dealerships inventory online, search the manufacturers website for the model you want.
Then, call the dealership to see if they have it in stock. This will save you a wasted trip to the dealership.
Finding a privately owned bike on an online marketplace is pretty straightforward. When a motorcycle is listed on a private sale marketplace, youll see new listings in real-time.
If the model you are looking for is not listed, create an account and sign up for /text alerts.
Want more guidance? Check out our blog on how to purchase a motorcycle online!
Filter your results.
When searching for a motorcycle online, make sure that you filter your results. Having too many search results to sift through can be overwhelming.
Start by entering your zip code and the distance you are willing to travel from that area. You can also filter your results by motorcycle price and condition.
Save your favorite motorcycles.
As previously mentioned, make sure that you create an account before you begin your search. Many motorcycle marketplaces and dealership websites have an online tool you can use to bookmark/save your favorite motorcycles.
As you are browsing through bikes, bookmark/save the ones that interest you the most. If this feature is not available, save each bikes link to bookmarks in your web browser.
You can also save each link to your computer or smartphone. To make it easier to review the motorcycle links youve saved, save an image with each one.
This way, when you revisit the list to narrow down your results, you wont have to click on each link to find the one youre looking for. You can also label each link/photo to make it even easier.
Narrow down your options.
Revisit all the motorcycles that you chose. Now go through each one and eliminate those that have the least of what youre looking for.
Make sure youre taking experience level, purpose, type, features, price, fees and expenses into account.
Ultimately, narrow down your list to 10 bikes. Then put them in order based on interest.
Call private sellers or dealerships.
Now that you have your top 10 motorcycles, you can start reaching out to sellers. Its important to reach out to more than one because each bikes price, distance and condition may vary.
You should also speak to multiple sellers to gain leverage for the negotiation process. And in order to gain leverage, its best to speak with each seller around the same time.
Want to learn specific negotiating techniques? You can jump ahead to this section on negotiation.
Look out for potential scammers.
If you plan to purchase your bike privately, its important to know how to identify a scammer.
One of the most common red flags is when someone insists on using PayPal®. PayPal is a reputable money transfer service. However, there are people who use the app to con unsuspecting buyers.
Scammers like to use Paypal because they can hide behind a fake identity. In this scenario, you would be tricked into transferring the money but would never receive the bike.
A scammer may also attempt to deceive you by recommending a bogus shipping company. If you pay them for the motorcycle and they purchase the shipping, youll never receive the bike.
And, good luck getting your money back. If you purchase shipping on a bogus shipping website, the scammer has not only stolen your money but your credit card information as well.
Make sure that you use an escrow service if you plan to buy a bike that is out of state. But be wary of fraudsters who insist on using a specific escrow company.
Choose a company you know is reputable. Similar to the shipping scam routine, if you use a fake escrow website, youll give a scammer your hard-earned money and credit card information.
Another red flag is when someone cant speak on the . They may claim that they have a bad connection or work long hours.
They may also claim that they cant meet up in person. Common excuses for not meeting in person are that theyre in the military, have relocated or are traveling abroad. This is because they cant risk revealing their true identity and because the motorcycle doesnt even exist.
Also, if the price seems too good to be true, it usually is. If the motorcycle is listed far below the motorcycles Kelley Blue Book value, its most likely a scam. We normally recommend our private sellers to list $500 to $1,000 below the retail/dealership price.
A motorcycle listed thousands of dollars below the Kelley Blue Book value is most likely a scam. Especially if that motorcycle is vintage or antique.
Scammers may also tell you an elaborate sob story about why they need to sell their motorcycle as soon as possible. They may claim that their mother is ill or that they are at risk of being evicted from their home.
Of course, none of it is true. Theyre trying to pull on your heartstrings in hopes that youll let your guard down.
Some of the best ways to avoid potential selling scams are to purchase your motorcycle in person, use an escrow company and use companies you are familiar with.
Want to learn more about scams? Check out our blog for detailed information and tips on motorcycle buying and selling scams.
Ask questions.
Soon, you will go to see your top choices in person (if the bike is local). To save yourself a wasted trip, ask the majority of your questions over the .
Some private sellers may prefer to answer basic, common questions via text or . But if youre still interested after asking the preliminary questions, the seller should be more than happy to chat with you over the .
Questions for private sellers:
- How many people have owned the motorcycle?
- Do you have the title? Are there any liens on the title?
- Has the motorcycle had any major repairs?
- Has the motorcycle ever been dropped or involved in an accident?
- How often has the motorcycle been maintained?
- Is there a transferable warranty on the bike?
- Can you provide documentation of maintenance history?
- Can you provide a photo or video of the current odometer reading?
- Is there another way you can prove possession of the motorcycle?
- Can I test ride the motorcycle?
- Why is the motorcycle for sale?
Questions for dealers:
- Whats the out-the-door price?
- Do you offer financing? If so, can I get pre-approved?
- What paperwork should I bring?
- Are there any current promotions?
- Do you take trade-ins?
- What services has the bike received since the dealership purchased it?
- Who was the vehicle purchased from?
- Whats the warranty coverage?
- Can I test ride the motorcycle?
5. Choose your top three bikes.
You started off with your top 10 motorcycles. Now that you have spoken with the sellers, your list may be shorter. Thats great because you need to continue to narrow down your options. Narrow down your list to your top three choices.
Narrowing down your options even further will make choosing the one a lot easier. For starters, you wont drive yourself crazy meeting up with dozens of private sellers or dealers. At most, youll have three different appointments to see the bikes in person.
Think of your deal-breakers.
If youre having difficulty chipping away at the other bikes on your list, think of your deal-breakers. What are the features you must have on your motorcycle?
Think about the ultimate purpose of your motorcycle. Is it to go touring with your friends? To save money? Perhaps, to commute faster to work? Any motorcycle that doesnt fit those criteria, give it the ax.
The sooner you eliminate other options, the sooner youll be cruising the streets on your dream bike.
Go with your gut.
Another reason to narrow down your options is to avoid having analysis paralysis. Often, when we have too many choices, we tend to overthink and overanalyze. This makes the buying process lengthier and more frustrating.
Believe it or not, there is a psychology behind decision-making. Licensed Clinical Social Worker Robert Taibbi recommends going with your gut feeling to avoid pestering over choices.
If you find yourself stuck, open your browser and look at each motorcycle side by side. If there arent many differences between the three, pick the one that you naturally gravitate towards the most.
6. See the bikes in person.
Now that youve chosen your top three motorcycles, you can arrange to see them in person. Youve already been communicating with the private seller or dealer. Now its time to assert your interest.
Preparation
As previously mentioned, make sure that you look up the Kelley Blue Book value of each of your top three picks before meeting with the seller. Compare the Kelley Blue Book suggested retail price to the sellers asking price.
Then print the information and bring it with you to the meeting/appointment. This way, when its time to negotiate price, youll be prepared.
If you plan to purchase a motorcycle that is out of state, ask the seller to record a video of the bike starting up cold and running for a few minutes. Also, ask that the video showcases the bike from all angles (including a shot of the odometer). When you purchase a motorcycle out-of-state, always take the necessary precautions to verify any information youre told.
If you plan to purchase your bike from a local private seller, simply ask the seller when is a good time to come and see the bike in person. Perhaps you and/or the seller feel more comfortable meeting in a neutral setting versus at the sellers home. In this case, you can offer to meet in a public place, such as a motorcycle dealership, bank or insurance agency.
If you plan to buy your bike from a dealership, give them a call, reintroduce yourself and make sure that the model you want is still available. Then, schedule an appointment. You may also want to verify the out-the-door price, as it may have changed since you last called. When doing so, be sure to ask for the name of the representative youre speaking with.
If you plan to buy a used bike, ask the seller to leave the motorcycle cold prior to your arrival. A clean cold start is usually an indicator that a bike is in good working condition. Check the motor for warmth when you arrive. If its warm, the seller may be trying to hide something from you.
Test ride
Ask the owner if you can test ride the motorcycle beforehand. Some private sellers will want the full price of the bike in cash before allowing you to test ride it. Other forms of collateral a seller may ask for are your license (with motorcycle endorsement), car keys or house keys.
If the owner is not comfortable with a test ride or you want to avoid potential liability, you can ask the owner to ride it up and down the street. This way, youll at least get to hear it run and see it in action.
You can also simply sit on the bike to make sure its a good fit for you. Different bikes have different seating positions. Make sure that you are comfortable. Its not unusual for an interested buyer to sit on a motorcycle for a good ten to fifteen minutes to make sure the bike is the one.
Ask questions
Dont forget to ask any questions that you didnt get a chance to ask over the . And, there arent any dumb questions. If you are new to riding, the seller will understand. They may even take pride in schooling a new fellow rider. Just make sure no one tries to take advantage of your lack of knowledge by doing your research and coming prepared.
Also, ask to see the title, especially if you are buying your motorcycle privately. This way you can compare the VIN on the title to the VIN on the motorcycle. These numbers should match exactly. The last thing you want to do is accidentally purchase a stolen motorcycle.
Ask about any rashes you see on the bike. This may indicate a crash or fall. Also, keep a lookout for parts with different colors. Different shades of paint may indicate that parts have been replaced due to an accident. Bent metal is also a red flag.
Bring a friend
If itll make you feel more comfortable, bring a friend with you when you go to see the bike in person, especially if you arent much of a motorcycle expert. Even if you are an expert, it never hurts to have someone there to bounce ideas off of. A friend can also be there to remind you of your goals, budget, likes and dislikes.
If youre meeting up with a private seller, make sure its okay with them first. Unfortunately, there are thieves out there. You dont want to make the seller uncomfortable by bringing an unmentioned guest.
Get an inspection.
If you still feel uneasy about the condition of the bike after seeing it in person or receiving a vehicle history report, you can get it inspected by a professional mechanic. If you are out of state and want the motorcycle inspected, we suggest arranging it yourself. Pay the dealership or auto shop directly and have the results sent directly to you.
7. Negotiate the price.
Negotiation requires a delicate balance between being firm and compromising. To learn motorcycle negotiating techniques, continue reading below.
If you have a trade-in, negotiate the trade-in value and the total cost of the motorcycle (not monthly payments) separately. A dealer may lowball you on the value of your trade-in in an attempt to get more money from you.
Remember, you know the value of your trade-in. Dont accept anything less than its true value. The more money you receive for your trade-in, the less youll have to pay out of pocket for your motorcycle. Motorcycle cost trade-in value = final cost.
If the motorcycle is overpriced, you can convince the seller to lower the price by stating that you know the motorcycles actual value. Save or print the Kelley Blue Book information and bring it with you when negotiating.
You can also negotiate a lower price by gauging how long the bike has been for sale. If you notice the bike has been listed for an extended period of time, you can make an offer lower than its typical value. The seller will be more likely to accept this offer over no offer at all.
You can use a similar tactic if the bike has mechanical issues. If you have expert knowledge about motorcycles and are good at making repairs, buy a fixer-upper. It could save you money in the long run. Just make sure that you calculate how much the repairs would cost, add that amount to the cost of the fixer-upper and compare that sum to the value of that motorcycle in good condition.
You can also make a cash offer. Most people choose to make a down payment and then pay the remaining balance through financing.
Sometimes sellers dont recoup all the money they were owed. Private sellers are also wary of scammers, and rightfully so. Paying in cash eliminates the risk factor for sellers. Therefore, make a cash offer below the motorcycles value. The seller will be more likely to accept.
Remember when we said to speak with multiple sellers? This not only gives you options, but it also gives you leverage. If a seller begins to hesitate when you are on the brink of closing a deal, mention the other offers you are considering. They may accept your initial offer or at least be willing to compromise.
Ask the seller to give you their best and lowest price. According to Harvard Business School, the final outcome of negotiation often depends on who makes the offer first. The final price tends to be higher when the buyer makes the first offer. This means that it may be a good idea to ask the seller for their best price before you make your best and final offer. As the popular quote goes, He who speaks first loses.
Want more detailed advice on negotiating techniques? Check out our in-depth discussion on how to negotiate when buying a motorcycle.
8. Choose the one and make the purchase.
You know what time it is! Its time to purchase your top pick. Now that you have seen all three motorcycles in person, its time to choose the one.
What to Bring
Read the checklist below to see the items you must bring when you make your purchase at a dealership or from a private seller. In the following section, well go through the motorcycle purchase process step-by-step.
Dealership Purchase Checklist
Theres quite a bit of information youll need to bring with you to the dealership when you purchase your motorcycle. Contact your dealer for specific information prior to your appointment. You can view the checklist below to get a general idea of the required documentation.
Identification
You will need to bring some form of identification, such as a drivers license or passport. Contrary to popular belief, it is not illegal to purchase a motorcycle without a motorcycle license/endorsement. Its not unusual for someone to buy a motorcycle as a gift for a loved one, with no intention of operating it themselves.
However, it is illegal to operate a motorcycle without a license, even if youre just riding it back home after purchasing it. So, make sure you have your motorcycle license prior to purchase. Or, plan to have your motorcycle transported/shipped, if you know you will be unlicensed at the time of purchase.
- Drivers License or Identification Card
Finance Paperwork
If you are financing through the dealership, they will need your Social Security number (SSN) to run a credit check. However, theres usually no need to bring your actual Social Security card. Also, any purchase over $10,000 must be reported to the Internal Revenue Service (IRS) by submitting your SSN.
- Social Security number
The dealer may also want to verify your salary to make sure you have enough income to pay for the motorcycle.
- Proof of income
- Pay stubs
- W2
If you were pre-approved for a motorcycle loan by your financial service provider, youll need to present the loan approval documents to the dealership.
- Loan quote
- Letter of commitment (preliminary approval letter or pre-qualification letter)
Proof of Residence
The dealer needs to verify that the monthly billing statements will arrive at your residence and not an outdated or bogus address. Proof of residence also helps verify your identity.
Youll likely need at least two of the documents listed below. Make sure that the address on those documents matches the address on your drivers license.
- Utility bill
- Credit card or bank statement
- Property tax bill
- Auto insurance policy statement
- Renters or homeowners insurance policy statement
- Benefit statement (i.e.: Medicaid or Medicare)
Your Trade-in
If you plan to trade in your current motorcycle, youll need to bring it with you. Dont forget your trade-in by driving your cage. Just remember to ride your trade-in to the dealership. Or, you can haul it by truck or trailer.
- The motorcycle
- Key(s)
- Certificate of Title
- Owners manual
Proof of Motorcycle Insurance
Before you pull off the lot on your motorcycle, the dealership must confirm that you are insured. If you are having your motorcycle shipped, you may not have to provide proof of insurance. However, in most states motorcycle insurance is required for registration.
- Motorcycle insurance identification card
- Billing statement
Info for discounts and rebates
If you are getting a discount on your motorcycle, make sure you bring the proper information with you to the dealership. For example, if you qualify for a discount because you are a college student, teacher or member of the military, make sure that you bring your ID card.
- Identification card
- Coupons
- Promo codes
Co-signer
If you have bad credit or no credit, your lender may require you to have a co-signer. This person would be responsible for your debt should you default on your loan. In most cases, this person must have good credit and enough income to cover the loan. Your co-signer can be a parent, friend, family member, etc.
Some dealers require the co-signers paperwork to have original signatures. This means that your co-signer may need to accompany you to the dealership. However, there are dealerships that will accept signatures that have been notarized.
- Co-signers drivers license
- Co-signers Social Security number
- Proof of co-signers income
- Pay stubs
- W2
Credit Reference
A credit reference is someone who can verify the information that youve given the lender, such as your identity, salary or contact information. A lender may also contact your reference(s) to get in touch with you in the event that you default on your loan and become unresponsive.
- Two to seven references
- Their legal name, address and home number, etc.
Cash Payment
If you are purchasing your motorcycle in full or making a down payment, you will need to bring cash or a cash equivalent. Keep in mind that many dealerships dont accept actual cash.
This is because they may not want to spend the time or resources it takes to ensure the money is authentic and is counted properly. Therefore, you should call the dealership prior to your appointment to verify the forms of payment they accept.
- Cash
- Personal Check
- Cashiers Check
- Money order
- Debit card
Private Purchase Checklist
There arent many documents youll need to bring with you to purchase a motorcycle privately. Your seller should have the Certificate of Title on hand and the Bill of Sale prepared when you arrive.
Identification
Unlike a dealership purchase, you dont need much to verify your identity, unless you choose to finance your motorcycle.
- Drivers license
Cash Payment
If you are purchasing your motorcycle in full, dont forget to visit the bank to make a withdrawal. You may be tempted to hit the ATM. However, most financial institutions have maximums on ATM withdrawals. This can range from $300 to $2,000. Some banks also have in-branch withdrawal limits. Contact your bank to verify your daily withdrawal maximums.
- Cash
- Check
- Money order
- Debit card
Finance Paperwork
If you are financing your motorcycle, its best to get pre-approved for the loan (by your financial service provider, private lender or dealership rider-to-rider program), so that you can provide the seller with that information on the day of purchase.
You may even need to make the purchase in the presence of your seller and lender at the financial institution. Although this is a private purchase, the information and documentation required make this process quite similar to a dealership financing purchase.
See the dealership purchase checklist for more information.
Purchase Process
There are different steps when it comes to buying a motorcycle from a dealer versus from a private seller. Continue reading below to learn more about the dealership purchase process. If you are buying your motorcycle from a private seller, simply skip to the following section.
Dealership Purchase
There are quite a few steps to purchasing a motorcycle at a dealership. To get an idea of what to expect, continue reading below. For specific information, make sure that you call the dealership prior to your appointment.
Provide Identification
You will first provide the dealership with some form of identification. They will already have your drivers license if you purchase the motorcycle immediately after a test ride. You will also need to provide your SSN.
Trade-in your current bike
At this point, you may have already negotiated the value of your trade-in. Always negotiate the price of your trade-in prior to discussing the final out-the-door price or monthly payments.
Make sure the paperwork reflects the price that you and the dealer agreed upon.
Need a refresher on how to negotiate the value of a trade-in? Revisit this section in which we discuss how to negotiate price.
Full Cash Payment or Down Payment
If you plan to purchase your motorcycle in cash or make a down payment, remember that many dealerships wont accept actual cash. Instead, you may need to visit your bank to get a cashiers check.
This is not to be confused with a personal check or money order. A personal check can be written even if there are insufficient funds in your account. When you purchase a cashiers check, the funds are deducted from your account immediately.
And, in addition to banks and credit unions, a money order can be purchased from places like retail stores and post offices. While a cashiers check can only be purchased at financial institutions.
Depending on the institution, you may have to pay a small fee. But, cashiers checks are usually no more than $12.
If you purchase your motorcycle in full, the dealer will sign over the Certificate of Title and will give that document to you.
Credit Check
The dealer will ask you if you are financing with the dealership. If you were pre-approved by a bank or private lender, provide the dealer with your approval documents. Tell the dealer if they can beat your current rate, that you will consider financing with the dealership.
The dealer will now perform a credit check. Youll likely need to provide proof of income at this time. If you have a cosigner, they will need to provide their information as well. The dealership or lender may also ask you to provide credit references.
Financing
If you are financing your motorcycle, make sure that you focus on the out-the-door price. Do not focus on monthly payments.
Low monthly payments are great. But, if youre not careful, you could agree to pay more over a longer period of time. For instance, if you only focus on monthly payments you could end up paying $200 a month for six years versus three years. Thats a seven thousand dollar difference!
Bill of Sale
Look over the bill carefully. If anything looks out of the ordinary, do not hesitate to ask the dealer representative.
Charging fees is how dealerships increase their margins. Most dealership fees are non-negotiable. But, you can try to get some of the fees deducted. At this point, the dealer has put so much time and energy into the transaction that they may be more flexible.
Some fees that may be bogus are the loss of productivity fee, pre-purchase inspection fee, regional ad fee, additional markup fee and administrative fee.
Need a refresher on legitimate fees? Simply revisit this section on dealership fees.
Before you pay, also make sure you will be able to take the bike home with you that day. Some dealerships may only have a floor/stock model for viewing purposes and test rides. If this is the case, the dealer will have to order your motorcycle and have it shipped in.
If you have a trade-in, nows the time to transfer ownership to the dealership by signing the Certificate of Title. After signing, youll give that document to the dealer.
Seal the Deal
Its very important to read all contracts and paperwork very carefully. You can ask the dealer for clarity on any of the documents. But, keep in mind, they are not required to point out important clauses or fine print. Take a second look at things such as warranty information, fees, terms of the loan and overall price.
It may make you feel more comfortable to have someone to accompany you at the dealership or someone to chat with over the for support and advice. After all, this is a big commitment.
Private Purchase
If you are financing your motorcycle, also check out the dealer purchase section above. As we discussed earlier, your process will closely resemble the dealership financing purchasing process, especially if you are using rider-to-rider financing.
If you plan to pay in cash, for your own safety, its best to meet with the seller in a public place. If the seller is illegitimate, you probably would have noticed red flags earlier in the process. But, its better to be safe than sorry when carrying around that amount of money.
Provide Identification
Youll simply need to provide the seller with your license to verify your identity. You should also ask to see the sellers license to verify their identity as well. Make sure that the name on their ID matches the name on the title.
Bill of Sale
The Bill of Sale should state the year, make, model, color, mileage and VIN of the motorcycle. It also states the method of payment, final sale price and current mileage. Make sure that the VIN on the title matches the VIN on the motorcycle.
You and the seller will write your name, address, number and drivers license number on the document and then sign and date it. Keep in mind that in some states a Bill of Sale must be notarized. We recommend that you contact your local DMV to see if notarization is required in your state.
Payment
After the Bill of Sale and Certificate is complete, its time to pay the seller. If youre paying in cash, feel free to count the money aloud as you hand it to the seller. Also, give them the opportunity to count it themselves.
If youre purchasing a motorcycle out of state, you should use an escrow service to make a secure transaction. For more information, revisit this section on escrow services.
Certificate of Title
The owners name and address will appear on the title. If the title has more than one owner, all owners must sign off on the title for a legal transfer of ownership to be made.
There shouldnt be any liens listed on the Certificate of Title. If there are, the release of lien section of the document must be filled out and signed by the sellers lender or an accompanying lien release document must be provided.
The seller will write their printed name, the date, the selling price and the total price paid on the document. The seller will also add your name and address (and lien holders name and address if applicable). The seller will then complete the federal odometer statement section on the title, which is required by law.
Make sure that the odometer mileage on the motorcycle matches the odometer mileage written on the title. Its also very important that you check the odometer brand and title of the brand before signing. You dont want to accidentally purchase a lemon or salvage motorcycle.
Not sure what types of brands and titles to watch out for? Check out our in-depth discussion on odometer and title brands.
Transport/Delivery
After you purchase your bike, its time to take that beauty home! But, dont forget that your motorcycle must be registered in order to ride it legally.
In most states, it is illegal to ride without motorcycle insurance coverage.
If youre taking your motorcycle home the same day, plan to hoist it in the back of your pickup. If you dont own a truck, ask a friend or family member to haul it. Or, you can arrange for a friend or family member to drop you off, and you can ride the bike back home if you are licensed, insured and registered.
If you are purchasing your motorcycle out of state, arrange for your bike to be shipped beforehand.
Want more information on how to transport your motorcycle? Revisit this section for details on motorcycle shipping.
9. Enjoy your bike!
Hooray! Youve just bought a motorcycle! Now that the purchasing process is complete, its time to sit back, relax and enjoy the ride.
There are so many benefits to owning a motorcycle. Community and camaraderie are some of the best aspects of being a part of motorcycle culture. It gives you an opportunity to connect with individuals who have similar lifestyles, hobbies and pastimes. Plus, the thrill of riding a motorcycle is an experience like no other. Check out the list below to get ideas for your next adventure!
Fun things to do
- Motorcycle rallies
- Concerts
- Motorcycle shows
- Parades
- Touring
- Road trips
- Meet fellow riders
- Join an organization
- Group ride
- Solo ride
- Add upgrades to your motorcycle
- Go riding with your significant other
- Photograph and videotape your adventures
- Join an online motorcycle forum
- Do your own repairs
- Take riding courses
If this is your first time purchasing a motorcycle, what are you looking forward to most?!
If this isnt your first rodeo, whats your favorite thing about being a rider?!
Happy riding!
Want more information on custom electric motor scooters? Feel free to contact us.
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