Motorcycle Shopping Checklist: Ride Confidently into Your First Purchase

June 18, 2025 | By Ben Laurendeau
A man and his dog after a successful motorcycle shopping adventure using the FFCCU motorcycle shopping checklist.

Buying your first motorcycle is a thrilling milestone, but it’s also a serious financial and lifestyle commitment. Whether you’re eyeing a sleek sport bike or a cruiser for weekend rides, following a smart motorcycle shopping checklist can help you ride off with confidence—and no regrets. Having gone through the process myself, there’s a few tips on this list I wish I had known!

From getting licensed in Ohio to securing the right financing from FFCCU, here’s what to know before you rev the engine.

1. Ohio Motorcycle License Requirements: Register Before Motorcycle Shopping

In Ohio, you must have a motorcycle endorsement (Class M) on your driver’s license to ride legally. What’s a great way to get it? Enroll in a certified Motorcycle Ohio Basic Course (sometimes called a Basic Rider Skills – BRS course), which helps new riders build confidence and skills.

Steps to Get Licensed in Ohio:

  • Complete the BRS course (often waives the skills test. Otherwise you will need to schedule and pass a skills test)
  • Pass the written knowledge test (which can be completed online) and a vision screening
  • Riders under 18 or within their first year must wear a helmet by law

Bonus: Some insurance providers may offer discounts for completing rider training!

 

2. Motorcycle Shopping for You: Pick the Bike to Meet Your needs

Not sure where to get started? Consider these beginner-friendly motorcycle types:

  • Standard bikes – Versatile, upright riding position
  • Cruisers – Lower seat height and easy handling
  • Dual-sport – Light, nimble, and good for off-road/urban riding

If you’re not sure which type of bike fits you best, visit a local dealership in Northeast Ohio to sit on a few. Comfort and balance are key. Be sure to shop around and get recommendations from more than one shop. Remember that their priority is to make a sale, so take your time, think things through, and don’t feel pressured.

Hang on until 6 for more information on being prepared to buy!

 

3. Decide Between a New vs Used Motorcycle

Both options have their advantages, and it can be hard to decide. Here’s a quick breakdown of pros and cons:

New Motorcycle:

  • Usually comes with warranty
  • Less maintenance required
  • Higher price tag

Used Motorcycle:

  • More affordable
  • Greater depreciation risk already absorbed
  • Requires inspection (look for signs of neglect or crash history)

Be sure to check the vehicle history report, especially when buying used. Check reviews of any bike you like, and do a quick scan for any recalls.

 

4. Motorcycle Shopping Essentials: Safety First

Buying your first motorcycle means budgeting for essential protective gear. It’s your best defense on the road.

Motorcycle Gear for Beginners:

  • DOT-certified helmet (required under certain Ohio laws. Absolutely required for riders under 18 years of age)
  • Riding jacket with armor
  • Gloves and boots (covering the ankles)
  • Durable pants (textile or reinforced denim)

Prices can vary, but expect to spend between $500–$1,000 on starter gear.

 

5. Know the Total Cost of Owning a Motorcycle

Ownership isn’t just about the purchase price. Here’s what new riders in Ohio should plan for:

  • Motorcycle insurance – Required by law
  • Registration and title fees – Around $30–$50 annually
  • Fuel – Most bikes are fuel-efficient, but it still adds up
  • Maintenance costs – Tire replacement, oil changes, chain tension, and more

A smart financial plan ensures you’re not surprised later. Ask about maintenance costs if you are buying from a dealership.

 

6. Getting Pre-Approved for Your Motorcycle Loan with FFCCU

Financing your first motorcycle? Skip the dealership markups and talk to a local lender like FFCCU. There are many advantages to getting pre-approved.

Why Choose FFCCU for Your Motorcycle Loan?

  • Competitive motorcycle loan rates in Ohio
  • Flexible terms to fit your budget
  • Fast, local decision-making
  • No prepayment penalties

Pro tip: Getting pre-approved gives you more confidence and control at the dealership. There’s no point in them trying to upsell you, and a pre-approval lets you stay within the budget you set and with a payment sustainable for you lifestyle.

Head over to our motorcycle loans page to scope out rates and details now.

 

Motorcycle Shopping Guide Prep List

Before you sign the dotted line, review this quick pre-purchase checklist:

  • Get a mechanic’s inspection if buying used
  • Compare prices online and/or in the stores for your bike’s make/model
  • Check the VIN report for red flags
  • Ask about past maintenance or crash history
  • Take a test ride if possible

Trust your instincts—and don’t let pressure rush your decision. Your pre-approval letter is eligible for 60 days from the time of the initial credit score pull. This gives you a generous window, so if you need to pivot on your plans, you have some time.

 

Let FFCCU Help You Ride Into Your First Adventure

At Firefighters Community Credit Union, we love helping members make big dreams come true. If you’re ready to hit the road, our flexible and affordable motorcycle loan options are designed to help you ride with confidence.

👉 Get pre-approved today at ffcommunity.com
Or visit your local branch to talk to a lending expert in person.

Posted In: Lending