Hello Sir my first bike I purchased from a dealer, one insurance that i wish i had was called GAP...the way gap works is if you wreck bike or it gets stolen Gap will pay the balance. The worst thing is having to pay for a bike that is crashed or stolen
. I had to pay almost 10,000 for my bike...and it was stolen...Well as far as prices go. I just bought mine off of craigslist, i was a little skeptical about craigslist but aslong as you can talk to the person over the phone and they have pinkslip with their name and ID to match that. You shouldnt have issues Also you can run vin # with your local police. I took all of these steps and came out with a 2009 Gz250 with 4000 miles for 1900 The transfer fee was like 130 because i'm in california i'm pretty sure its more expensive here.