4. Look At The Loan Cost Beyond Just Monthly Payments

Top 10 First Motorcycle

The monthly nut you’ll pay for the privilege of riding your bike is important. If you can’t make that for the years you sign up for at the time of purchase, you’ll end up selling your bike. However, look into the future. Is it prudent to buy a less expensive bike now, when you only have an inkling of what kind of rider you are going to be? Should you get something less expensive, with lower monthly payments, so that you can afford to buy gear and accessories over the life of your motorcycle? What about maintenance costs? If the money isn’t there after your payment, are you going to play Russian Roulette by riding with worn out tires or brakes?

While considering these issues isn’t sexy – and is really hard when you’re all hot-and-bothered over a particular motorcycle – they will affect your enjoyment of your bike over the long term.

  • Starmag

    My first streetbike. 1966 Ducati Falcon 50. $75 from Mukwonago Fireman’s Park annual flea market. Thanked my dad thousands of times for buying it for me until he made me earn it through extra chores. Thought I’d burn out my retinas just from staring at it. Red,white, and blue sparkle 3/4 helmet. Insurance? License? Sure….

  • IslandTosh

    I was laughing as read #1, but then it started hitting a little too close to home. Now I can’t let the wife read it, least she realize the seriousness of my condition


    I’ve owned three motorcycles up until this point in my life, but have only owned one at any single time. I’ve just purchased a new to me motorcycle yesterday, marking the first time I’ve owned two motorcycles at the same time. Pray for me.

    • Evans Brasfield

      Be careful. It’s a slippery slope…

  • John B.

    Great list Evans! I would add one item to your list. Think about what kind of riding you want to do: Daily Commuting; Track Day Specialist; Iron Butt Long Distance; Dual Sport Adventures; One or Two Up; Sunday Cruising; Off-road; or all of the above. If I were new to motorcycling today, I would consider the Kawasaki Versys 650 LT. That bike checks many boxes for new and experienced riders.

  • Sloan Essman

    A Honda 599 as on “6 -buy a used bike” was my first, and it was bought used. Loved it but later got something with a little more wind protection for long trips (VFR800)