How to buy a motorcycle: A complete guide for beginner and experienced riders

Before buying your first motorcycle, research and understand what type of motorcycle suits your riding style and experience level. Different styles offer different strengths—some built for long-haul comfort, others for high-speed thrills or everyday versatility.

One of the biggest decisions many riders make is whether to buy new or used. Here’s what to keep in mind:

• Warranty protection: New bikes typically come with manufacturer warranties covering defects and certain repairs.

• Latest features: Brand-new bikes come with all the bells and whistles, like better safety tech, improved gas mileage, and top-tier performance.

• No hidden problems: New motorcycles come without potential undisclosed issues from previous owners.

• Financing options: Motorcycle dealerships frequently offer attractive financing packages, even for those with less-than-perfect credit, often making it easier to afford a higher-priced new motorcycle.

When shopping for your next bike, the used market offers several compelling advantages that might make more sense for your situation and budget. Here are some reasons many experienced riders opt for pre-owned machines:

Used motorcycles typically cost 20–30% less than comparable new models. And depending on factors like the bike’s replacement value and repair costs, insurance rates may be lower for older models than newer ones.

New motorcycles can drop in value the moment you ride off the lot. When you buy used, that initial depreciation has already happened—potentially saving you money if you sell or trade the bike later on.

Your set price point might get you a basic new motorcycle—or a higher end used model with upgraded features and performance. Many riders find the used market opens doors to bikes that might otherwise be out of reach.

Buying a motorcycle isn’t just about the sticker price. To avoid financial surprises down the road, it’s helpful to think in terms of the whole package of what owning a bike really costs. Here are some costs to consider:

Where you buy your bike can shape your entire experience. Dealerships often offer convenience, support, and financing options—while private sellers may offer better pricing and room to negotiate. Here’s a look at the benefits of each approach:

• Lower prices: Without dealership markups and overhead costs, private sellers often offer the same bike for less cash.

• Room to bargain: Private sellers tend to be more flexible on price, especially if they’re eager to sell. There’s no sales manager to consult—just a direct negotiation.

• Real history: Buying from an original owner means getting the true story of the bike’s life—maintenance records, how it was stored, and any quirks it might have.

• No safety net: Most private sales are as-is—no warranties or safety net. Once you hand over the money, any problems become yours to deal with.

Never skip the test drive. This is your moment to ensure the motorcycle isn’t just love at first sight but a true match for your body and riding style. Here’s what to pay attention to:

• Seat height: You should be able to put both feet firmly on the ground when stopped. Tiptoeing at traffic lights gets old fast and can be dangerous.

• Control reach: Your arms should have a slight bend when holding the handlebars. You don’t want to stretch or feel cramped during long rides.

• Weight feel: You should be able to easily lift the bike off its kickstand. A motorcycle that feels too heavy when stationary will be a struggle in parking lots and tight spaces.

• Controls: Clutch and throttle should work smoothly without sticking or requiring too much force. A jerky response can make riding stressful.

• Brakes: Good brakes engage gradually but firmly. Watch out for brakes that grab suddenly or feel spongy when pressed.

• Engine: Listen carefully for smooth, consistent sounds. Odd rattles, knocks, or whines suggest problems.

If you’re buying used, take time to carefully inspect the bike or get a professional to do it. A mechanic can spot issues you might overlook.

• Look for crash signs: Bent handlebars, scratched levers, or misaligned frame parts usually mean the bike has been in an accident. Fresh paint in odd places can hide damage.

• Check the tires: Good tread depth and even wear patterns can tell you whether the bike was ridden properly. Cracks, bulges, or excessive wear mean immediate replacement costs.

• Inspect the chain and sprockets: These should be clean, lubricated, and not overly worn. A rusty, dry chain suggests neglected maintenance.

• Hunt for leaks: Look underneath and around seals for oil, coolant, or brake fluid. Leaks mean problems and potentially expensive repairs.

• Review documentation: Always ask for maintenance records and get a vehicle history report to uncover any accidents or title issues.

• Watch it start cold: A healthy motorcycle starts easily without excessive smoke or strange noises. Be suspicious if the seller has it warmed up before you arrive.

• Listen to the engine: Any knocks, ticks, or unusual sounds while running can indicate serious internal issues.

• Test all electronics: Every light, turn signal, horn, and instrument should work properly. Electrical gremlins can be frustrating and expensive to track down.

Whether purchasing from a dealer or private seller, negotiation can be your wallet’s best friend. A little preparation goes a long way toward getting the best possible deal. Here are some tips:

Know the motorcycle’s market value before making an offer. Check online listings, forums, and value guides to understand what similar bikes are selling for.

At dealerships, negotiate the out-the-door price and request a breakdown of fees. Some seemingly small fees for documentation, preparation, and delivery can quickly turn a good deal into a budget-buster.

Set your maximum price before negotiations and stick to it. Your dream bike isn’t worth breaking the bank.

Promises are nice, but contracts are better. Make sure all warranties, conditions, and agreements are documented before you shake hands.

Your perfect ride isn’t truly yours until the paperwork is finalized. Before you ride off, make sure you:

• Transfer the title

• Complete a bill of sale

• Get insurance coverage

• Register the bike with your state

Buying a motorcycle—whether your first or fifth—is a chance to match your ride to your current goals and lifestyle. From upgrading to a more powerful machine to starting your first adventures on two wheels, a bike purchase can be a big endeavor. Take your time, do your homework, and find a ride that fits both your lifestyle and your budget.

At Dairyland^®, a brand of the Sentry Insurance Group, we get the excitement of finding your perfect motorcycle. While we can’t hand you the keys, we can help protect your investment with flexible motorcycle insurance designed by riders, for riders. Find an agent today.