Tag: Buying

Help on buying first moped.?

Question by Chris: Help on buying first moped.?
I live in a big town with spaced out neighborhoods and stores and fields. I can’t just walk or ride a bike because that will take hours(I’ve tried) and I do not have a drivers license for a car. I have a very low budget, and mopeds around me are going for 650+. Would buying an old moped from the 70’s or 80’s be a bad idea, even if it is running? I have experience working on quads and dirt bikes, just not mopeds. Would buying a cheap moped that just needs a part or two to get running be a bad Idea?

Best answer:

Answer by Justin Thyme
I can only tell you to check a used one out thoroughly,make sure the engine has compression and the drive system isn’t`t worn out and the wheels bent etc. Parts are available so any normal maintenance like brake shoes and chain replacement Arena`t a big issue. Make sure the title is clear. There`s also engine kit`s available to put on bicycles,they might fit the budget and are relatively easy to install.

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Buying 2008 yamaha R6…Monthly payments?

Question by Jay F: Buying 2008 yamaha R6…Monthly payments?
im 18, and I got my license a few days ago. but i have never got a credit card or banking account before. im planning to get them both next week. after that im planning to buy an 08 Yamaha R6. im ganna down 1000 and was wondering how much my monthly payments is.

Best answer:

Answer by ElGrande
Jay, you seem to be pretty serious about an R6 (bad choice for a newbie rider, but that’s a whole different topic) as you’ve posted this question before and several others like it.

Several questions:
1) Have you looked into insurance? Someone gave you the advice that “dealers will let you only get liability insurance”. That’s not true. If you have a loan against the bike, the lender usually requires full coverage. And insurance for a hot bike like that for an 18-yr old without motorcycle experience is going to be HIGH.
2) I didn’t really get how you were going to finance the bike. Do you already have a loan from your bank? Are you planning on putting the remaining amount on the credit card (after your down payment)? Do you plan on financing through the dealership (without a decent credit history, good luck).

It’s hard to answer a “how much for a monthly payment” question without knowing some of these intangibles.

Just some considerations. If you choose to go against the prevailing advice and get an R6, just be very careful. And carry one hell of an insurance policy.

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Get Quotes Before Buying

Young or old, we all dream about the perfect vehicle. For families, it can be steady sedan that carries all the stuff you need, including all the bodies. For young singles, it can be something hot and high-powered. For those of us really suffering in this recession, it’s anything good value for money. Looking around the market, several things are increasingly obvious from the latest figures coming out of what’s left of our auto industry. Fleet sales are up – more sales but less profit. The same-old, same-old pickup trucks and SUVs we were all dumping when gas prices exploded are in fashion again. Gas is back under $ 3 a gallon and sales of light trucks are up by almost 18%. When you need a truck, only a truck will do which is good for Detroit because trucks are their most profitable line. The Cash for Clunkers program actually benefitted the foreign manufacturers and, truth be told, the small car market still tends to favor smaller imported brands. Even Toyota’s numbers are recovering after their recall problems in late 2009. Overall, new-vehicle sales were almost 17% higher in November. The industry is predicting a better 2011 despite weak consumer confidence. The estimate is 13 million new vehicles on the roads.

So if you’re one of the people thinking about a new vehicle, now’s the time to start doing a little research. Insurance is all about makes and models. Those actuaries who crunch the numbers have calculated the odds on every model being involved in an accident. That means the standard premium rate is based on the brand and then varied up and down depending on who you are and where you live. This means a focus on two key factors. How safe is the vehicle? and How likely is it to be stolen?

The National Highway Traffic Safety Administration is responsible for testing all new vehicles to ensure they are safe enough to be driven on public roads. It also liaises with the manufacturers on recalls so that, as new problems are identified, they can be fixed before too many people are injured. If you google “safercar”, you’ll find the results of the crash tests and rollover ratings. This is presented as a 5-star safety rating by make and model. Remember that the insurance industry follows this information when deciding how to set the premium rates. Similarly, the National Insurance Crime Bureau publishes detailed statistics showing which vehicles are stolen most often, and where the vehicles are most likely to be stolen. Perhaps surprisingly, the most stolen cars in 2009 were the 1994 Honda Accord, the 1995 Honda Civic and the 1991 Toyota Camry. Before you buy, whether new or second hand, always check out the NICB’s latest reports.

Buying cheap car insurance is all about planning ahead. You look for the best information available on which vehicles stand up best in accidents and which are the most likely to be there for you when you wake in the morning. That way, when the car insurance quotes come through, you will be pleasantly surprised and can make the best buys.

To learn what Haz Duell has to say about other things and look on the things from his point of view, visit http://www.mytopinsurers.com/articles/before-buying-your-dream-vehicle.html where he frequently writes on many different subjects that you will find fascinating.

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Get Quotes Before Buying

Young or old, we all dream about the perfect vehicle. For families, it can be steady sedan that carries all the stuff you need, including all the bodies. For young singles, it can be something hot and high-powered. For those of us really suffering in this recession, it’s anything good value for money. Looking around the market, several things are increasingly obvious from the latest figures coming out of what’s left of our auto industry. Fleet sales are up – more sales but less profit. The same-old, same-old pickup trucks and SUVs we were all dumping when gas prices exploded are in fashion again. Gas is back under $ 3 a gallon and sales of light trucks are up by almost 18%. When you need a truck, only a truck will do which is good for Detroit because trucks are their most profitable line. The Cash for Clunkers program actually benefitted the foreign manufacturers and, truth be told, the small car market still tends to favor smaller imported brands. Even Toyota’s numbers are recovering after their recall problems in late 2009. Overall, new-vehicle sales were almost 17% higher in November. The industry is predicting a better 2011 despite weak consumer confidence. The estimate is 13 million new vehicles on the roads.

So if you’re one of the people thinking about a new vehicle, now’s the time to start doing a little research. Insurance is all about makes and models. Those actuaries who crunch the numbers have calculated the odds on every model being involved in an accident. That means the standard premium rate is based on the brand and then varied up and down depending on who you are and where you live. This means a focus on two key factors. How safe is the vehicle? and How likely is it to be stolen?

The National Highway Traffic Safety Administration is responsible for testing all new vehicles to ensure they are safe enough to be driven on public roads. It also liaises with the manufacturers on recalls so that, as new problems are identified, they can be fixed before too many people are injured. If you google “safercar”, you’ll find the results of the crash tests and rollover ratings. This is presented as a 5-star safety rating by make and model. Remember that the insurance industry follows this information when deciding how to set the premium rates. Similarly, the National Insurance Crime Bureau publishes detailed statistics showing which vehicles are stolen most often, and where the vehicles are most likely to be stolen. Perhaps surprisingly, the most stolen cars in 2009 were the 1994 Honda Accord, the 1995 Honda Civic and the 1991 Toyota Camry. Before you buy, whether new or second hand, always check out the NICB’s latest reports.

Buying cheap car insurance is all about planning ahead. You look for the best information available on which vehicles stand up best in accidents and which are the most likely to be there for you when you wake in the morning. That way, when the car insurance quotes come through, you will be pleasantly surprised and can make the best buys.

To learn what Haz Duell has to say about other things and look on the things from his point of view, visit http://www.mytopinsurers.com/articles/before-buying-your-dream-vehicle.html where he frequently writes on many different subjects that you will find fascinating.

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