WEBVTT
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every new beginning comes from some other beginning's end.
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Welcome to the Throttle and Roast podcast. I'm your host, Niels Meersschaert. In today's episode, we look at when it might be time to get a new bike.
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we'll cover new-to-me versus just new, whether you're replacing a bike or adding one to the garage. We'll also look at reasons you might want to hold off on getting that new bike, as well as some reasons to just go ahead and get it.
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So I do want to address, you know, this is a common turn of phrase you really do hear a lot with motorcyclists, which is, oh, this is a new-to-me bike.
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And really, this is just a sort of a nice way of saying that they bought a used bike. in a lot of ways, though, this is still that new-to-me is really the essence of why someone gets excited about it. Because it is still that new experience. It's going to be a different variety than what you had with your previous bike, or if you're adding one to the garage. And this new-to-me still can be a very powerful motivation for you.
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It doesn't always have to be a brand-new, never-used motorcycle.
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And I think this is an important thing for people to really think of as you can really be able to stretch your dollar if you're getting some used bikes at points. Because they're not going to be as expensive as a brand-new bike. one of the things I love about motorcycles in general is that if you compare it to, let's say, cars, they're significantly cheaper than a car would be, even for a very expensive motorcycle. you can get away with having a few motorcycles and still spend less than you would on, let's say, a single car. And even, quite frankly, a very boring single car. So this getting that new versus even a new-to-me bike still is a way that you can actually have a variety And if we think of this replacing a bike versus adding to the garage, some riders will have only a single bike at one time, the desire to kind of have something new to try something else out is going to be probably a little bit stronger with them than someone who has a couple of different bikes in the garage that they can choose from. And so that replacing a bike is really almost an interchange of that experience that you had with your previous bike into a new experience. And it's going to be very exciting. There's going to be all sorts of new activities to it, whereas when you're adding a bike to the garage, it's not that you're giving up something that you had before.
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you're really augmenting your garage. When I first started riding, I was really in the replacing a bike sort of camp.
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So I'd say in my first, two years of motorcycle riding, I had three different bikes. So I would try something, I'd use it for a little while, and then I would switch and flip into the next bike. And that gave me a good ability to try out a couple of different things to really see which kind of motorcycle resonated with me personally.
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But it can be a little bit more expensive with that. So this is where you have to think of that tradeoff of how often you're doing it versus having something you have a little bit more experience with. And now you've gotten to see like all the pros and the cons and maybe those weren't immediately evident at first glance. In more recent years, I had switched to a little bit more of adding to the garage, which, you know, people always say in a bit tongue in cheek of that, the ideal number of bikes is n plus one, where n is the number of bikes you currently own. So you can always add a new bike into the garage.
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And what I liked with that experience of having multiple bikes in the garage was that I could go into the garage and say, well, what's my mood today?
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Which bike do I feel like pulling out and taking a ride on?
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And because I had a few different bikes and I did try to make my garage have very different characteristics of each of the bikes, it really was a very distinct experience for each of those. So there's pros and cons, I'd say, to both approaches of whether you get a new bike and replace a bike into your garage or you add another bike into your garage.
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So let's look at a few reasons, not to be a complete Debbie Downer in here, but maybe some reasons that you might want to hold off on getting a new bike. One of the first ones is your old bike isn't paid off yet.
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And I shared, you know, just in the previous segment that in my first couple of years of riding, I actually had three different bikes within two years. So none of those bikes had been fully paid off yet, and I had to roll the initial loan into another loan. this might be a reason that you may not want to do that, because if you think of if your old bike hasn't been fully paid off yet. Generally, if you, if you did finance a bike, and this is what I'm specifically meaning of it's not been paid off yet.
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You're usually paying the, you're basically depreciation in that first year or two is going to be rather significant. So the amount of money that you're going to get on a trade in or on a sale is going to be probably less than what you still owe on the bike. And so it's very possible that you may owe more money on the bike than you would get for selling it. So you're going to actually pay not just for the new bike, but you're going to pay for what you still owe on the old bike. And this may be a reason why you don't want to get that new bike quite yet.
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The other thing is that even if you ignore how much you still owe on the bike, a trade in, as opposed to, let's say a private sale, usually trade in is you're not going to get as much money in return for the bike as you would if you sold it individually. Now the trade off, of course, is doing a private sale. Maybe it's a little bit more time intensive. Maybe it takes a little longer to find a buyer. You have all sorts of other worries about, hey, is this person going to run off and steal my bike when they want to try it out for a test ride? So there's all sorts of concerns with a private sale versus the ease of a trade in, but you do effectively pay for that convenience when you do that trade in. So you may want to hold off on buying a new bike if that bike is not paid off and you have the trade in effect, if you will. The other thing, and certainly this is probably a little bit more geared towards the U. S. market, but interest rates are really high right now.And so if you were looking to finance your bike, you could end up paying a lot more for it rather than just saving up for that bike for another year, two years, whatever it ends up being.
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So you didn't have to pay the interest on the full balance of the bike, but you were able to pay for the bike either completely out of pocket or reduce how much of a loan that you would need to take on that bike. So you may want to consider that, especially with how high interest rates have been, we've been in some very fortunate with purchasing motorcycles in the past, I'd say 10 to 15 years, interest rates, at least the bank rate have been near zero. you know, some of these bikes had like minimal, minimal interest rates that you would do onto there. And sometimes it actually was more cost effective to take out the loan and pay that out over time, because the money you were earning in the bank was greater.
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So when I got my R18, for example, BMW offered a 0.9% financing on it. Meanwhile, I'm getting three, 4% interest by keeping the money in the bank.
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So it was cheaper for me to do a loan on that bike than if I had simply paid it off outright. So I think over the entire time of that bike, the loan is going to cost me a few hundred dollars.
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So who cares at that point? It's not really a big deal. Whereas if that was 5%, 6%, 7%, 8% interest, very different equation. And you really have to think of how much you're going to pay for that bike by buying it when you have very high interest rates, especially if you're financing it in its entirety with nothing down. Now, the other one, it becomes a little bit more of a practical manner. And, you know, while there is a bit of the tongue in the cheek of saying, oh, it's N plus one is the ideal number of bikes, you might find that you get to a certain point in your motorcycle career of owning bikes where maybe you've got a few too many bikes in the garage.
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And it may even be hard to get to each of those bikes. And, you know, I joked with my wife when we were buying our house that I was really looking for a garage and most of them come with a house attached. I measured garage space in bikes, not cars, so people will say, "Oh, it's a one-car, two-car, three-car garage" and I say, "Oh, no, no, no, this is actually a 12-bike garage", and while you can fit a large number of bikes into the space that would have been, let's say, a traditional one-car garage, getting to them all easily isn't always the case.
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And you may have to move bikes around to be able to get to some of those other bikes that were maybe further in or blocked by some way, or if you're sharing the garage with both a car and motorcycles, you may have to pull the car out to be able to get to the bikes. So just think of, is it really practical for you to do this? And certainly, you've got to not even just consider the physical space of how you're going to park those bikes, but you also need to think about some almost more like practical logistical issues, such as, if you're going to have all these bikes and you're not going to be riding every single bike every single day, you're going to probably want to put those bikes onto some sort of a tender of some sort. It but you're going to need to have space for those battery tenders and the power cords that are going to running between each one of those. there. And if you have to constantly move a bike out of the way to get to that one that's a little bit buried, it could dissuade you from riding that buried bike more often. And you might find that it starts to become a more infrequent ridden bike. And another reason why you may want to hold off on getting a new bike right now is maybe your miles per bike per year is really low. Now, if you only have a single bike, obviously, it's just that's your total miles that you do on a bike. B if you have a few different bikes, and now you're looking to add another one into the garage, really take stock of thinking about, well, how much is that average miles per bike per year?
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Now, the weird thing is here in the United States, because we are that more of a leisure style riding. And then there were some studies that have been done that say that more than half of all American motorcyclists ride less than a thousand miles per year.
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Now that's total across all of their bikes. So imagine if they had more than one bike. I mean, it's a handful of miles per year.
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think of that, probably going to have to do an annual service on most bikes. You usually have to at least change the oil annually If you're riding very infrequently on each bike, you're still going to have to get that service done. And whether you do it yourself or you bring it into a dealership, that's an additional cost that you have to add into each one of these bikes. So really be thoughtful of how many miles per year you're doing. And is that actually going to make sense?
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Because you've got to think of things like your insurance, you've got to think of things like your registration, getting it inspected. Here in New York State, for example, it is a massive pain because we have to renew the registration every single year. We have to get it inspected every single year.
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here they've made it even more challenging for shops to actually go and do the inspection because they had to get a brand new printer to be able to print out the inspection sticker. It's $6, so it's not that it costs an arm and a leg for the inspection, but think about how much money the shop is earning off of that. So they don't really want to do the inspections to begin with. Beca they make no money off of it.
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And in fact, New York State charges them for each of the stickers, something like $11. So they actually lose money on the deal. So it's a really horrible racket for the inspection station. And I had earlier this year, I was trying to get my bikes inspected for like four or five months. And I would go by to the local place and say, hey, can you do an inspection? Nope, not today. Can't too busy. Nope, you can't do it now. So it literally was impossible to get the bike inspected. And if you have insurance, certainly if it's financed, most insurance companies will require full coverage. This can add up very, very quickly. And especially if you have a bike that has a high value or it's commonly crashed, sport bikes would be a great example of that. Your costs for this can be very, very high. And then the last one that I'll say of why you may want to hold off on buying a new bike is that new bikes can be very expensive.
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Harley Davidson motorcycles are on average $30, 000 That's pretty much more expensive than what you can get some cars for.
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So it's a very, very expensive thing. And if you are riding that bike infrequently, and it's such an expense and you add in all those other things of your registration, your insurance, your inspections, the annual maintenance, it could become very cost prohibitive to get that new bike if you're adding a bike to the garage that's going to maybe a big thing to hold But let's be honest, you didn't start listening to this episode because you wanted me to talk you out of getting a new bike. You probably are trying to find some reasons that will validate why you should go and buy a new bike. And there's plenty of them that are out there. One of the biggest ones, and especially if you are a one bike at a time, kind of a rider.
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Well, if you're feeling bored with your current ride, this might be a reason to kind of do it. And as I shared, I've done this quite a lot in my early riding career. I had three different bikes inside of the first two years. And. And while I'd say in your early riding tenure, this is good because you don't know initially what kind of bike you really want. You're going to try a couple of different things out. You maybe you're getting into a little bit more performance, especially in countries that have graduated licensing. Like in Europe, maybe you started off with a capacity and in capacity motorcycle.
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You've gotten a little bit further along. Now you want to bump up. That's going to make sense that you're going to maybe feel a little bored with your current ride. The other thing is, what if you wanted to try a new segment of motorcycling? So if you all you've ridden were cruisers and you keep hearing about these adventure bikes that everyone's so excited about, and they're now the most popular bike out there. Maybe you want to try that out. Maybe you want to see what that is like and really get an experience for seeing that type of a bike. Or maybe you want to try a different engine configuration.
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Maybe you only had V twins and you wanted to try a parallel twin or a boxer twin or an inline four or an inline six.
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Even there's all sorts of different engine configurations that could bit, making it a little bit more interesting. And certainly we talked about if, hey, maybe you have a different engine capacity, but maybe you also want more power. Maybe you've had that more moderate or modest, let's say powered bike, and you're really hankering to get that sport bike. You want to just be able to accelerate an instant and you want that more power. So this can be something that is a really powerful draw for why you might want to go and get that new bike. The other reason that might be really good for this is maybe this is a bike that you've been dreaming about for years. You absolutely want to have this bike. It's something you've been thinking of all the time, and you've just been counting the days until you can actually make it happen. all these ones that I'm talking about now, these are really fundamentally, they come down to, it's an emotional reason why you want to get that new bike. And let's be honest, we are passionate about our bikes. As a consequence, there is a strong amount of emotion that's tied up into our definition of who we are as individual riders, why we like a particular bike. All of these emotions are very, ver And of course, another great emotional reason for why you might want to get that new bike is almost the cliche of keeping up with the Joneses or bragging rights. It's you want to be able to show off to your friends, hey, look at this new bike that I got and be excited by that. And you can't dismiss that as having a impact or a power onto you of why you're excited. And as fellow motorcyclists, we have an excitement for one of our friends who has gotten that new bike. We do celebrate it with them. We take pictures with them with their new bike. It's a community event, and this is why we may be more motivated to get that bike. And of course, when one of your riding buddies gets a new bike, it might make you want to a new bike. So there is that aspect of you are influenced by the people that you ride with and hang out with, and maybe you want to get that new bike just for that purely emotional reasons. And while emotions are,I'd say probably one of the strongest factors figuring out that it's now, it's time for you to get that new bike. There can also be some practical reasons that, and this might be a way to describe to a spouse of why it makes sense for you to get this new bike, but there are some realistic, practical reasons that you can look at. So first off, one of the simplest is maybe your bike was in an accident and it was totaled. Well, clearly if you want to continue to ride, you'r going to have to get a replacement bike. And whether that's new or new to you almost doesn't matter, but that's a practical reason for why you may want to get a new bike. And if you've had your bike for a long time you might start to get to a point where the bike is needing more repairs and maintenance than it seems that you're spending time riding it. And I experienced this more recently.
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I had old 1972 BMW R75 and it's a wonderful old bike, classic bike. I used it in a lot of the distinguished gentlemen's rides over the years. We bring it up to, we have a local bikes and breakfast event, which is really all about classic motorcycles.
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And it's a great, great bike.
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And it has a character that was wonderful in a lot of ways. But if I'm honest about it, it's not the fastest bike under the sun.
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It was maybe 50 horsepower when it was brand new and probably a lot less than that 50 some odd years after it was built. The brakes were suggestions, I'll say, rather than actual functioning brakes.
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They were both drums front and rear, and they would not necessarily slow you down with any expediency. But the worst part is that because it was such a old bike, the just parts on it would wear out over time. So a few years ago, I replaced the starter motor because I would basically drain the motor every time that you tried to start it with the electric start. And so replacing the starter motor did help that dramatically. But then I had a couple of other electrical issues. So probably about two or three years ago, I had where I had a minor electrical fire as I was riding just the wires started to fray and just all the bouncing over 50 some odd years of riding, eventually shorted it out and had a little bit of a short and totally killed the bike right there. So I was able to get that repaired and you know, not super cheap to be able to get a whole new wiring harness that was in there, but they replaced the front part of the wiring harness, got that all done. And then last year I had another electrical problem, the same thing where as I'm riding along, all of a sudden starts smoking and shorts out. But this time it was on the rear part of the harness, the stuff that goes to the signals.
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So I'm still able to ride home, but this is now I'd electrical fires and failures with it twice in a couple of years. And this bike was just needing to have a lot of repairs. And I really was only riding maybe 800 or 900 miles a year on that specific bike. And I had four other bikes in the garage. So sometimes if a bike is needing more repairs than you're actually spending riding, that might be a practical reason to replace it.
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The other one, and this plays into a lot of those sort of older bikes again, is how readily available are parts? And you see this in cars all the time too. There is a almost a built-in obsolescence that we get with motorcycles where it's maybe a little bit harder to find parts and you have to spend all of this time looking around to get things. And if it's, especially if it's your only bike, it can be really infuriating that you can't ride now because you're spending months trying to find a part that you need for that one bike.
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this could be another practical reason to just say, hey, you know what? Hand it off to someone else who maybe has a few other bikes in their garage and then this one they can spend that time on finding the parts for and running it because they're, they have other bikes to ride in the interim. So maybe you want to replace that bike when the parts are no longer readily available. And this really plays into more of I'll say, older bikes. So if you've got a bike that's a year or two, three years old, the likelihood that you're going to have a problem of parts availability, provided the company that makes the bike is still in business is relatively low. But even if you have one of those newer bikes is the warranty is coming into an end. You might also consider saying, Hey, you know I want to replace this bike now, because if you have to do a major repair after the bike has come out of warranty, it could be a substantial out of pocket expenditure. And so this might be a reason that you say just practically speaking. Yeah, it's worth me replacing the bike. I would say that I know a lot of riders who this is their philosophy and they're getting new bikes every two, three years when the warranty runs out. And it works for them. They've got a relatively fresh bike each time.
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They're able to have that variety of new experience each time. And I did that as I said, early in my riding career, I would basically keep bikes for, you know, a year or two, three years at the most. And as I got a little older, I started keeping the bikes for much, much longer. that R75 that I'd mentioned that really old bike from 1972. I had that bike for nine years before I sold it. And I had my old GS adventure for what? 14 years. So you can have a bike for a really, really long time. And the warranty is less of an issue, maybe right at that point. But it was something that was always in the back of your head of like, Hey am I going to have availability for getting some parts onto these bikes? We talked about a reason to hold off as maybe you didn't have enough money and you had to go into financing and the interest rates were high. Well, maybe a practical reason is you've saved up the money. You've got it.
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It's ready to go in the bank.
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You're not going to have to borrow anything to get this new bike. because you had done that holding off earlier. And now it's time to get that almost reward of your financial savings in a sense. So Now, the other one I'll say that why you might practically want get that new bike is maybe you're replacing a car with a bike. And I did this when I had a Subaru WRX. And that was my sort of station car, if you will. So I would go to the train station to go into work. we had that as our second car. And it was an attempt by me to be like, let me have something that's maybe a little bit more fun The thing is what I found with that particular car, and I don't mean to bash the WRX in any way, but if you only drive cars, it can be a fun car, no doubt. But once you've ridden motorcycles and especially motorcycles that are higher performance, there's just no practical way that that will accelerate anywhere close to as quick as a motorcycle will. And the only thing that it was providing for me was a little bit of practicality. I could carry a couple of the little extra things in there. So if I needed to run an errand, I could do that with that car with some reasonable level of it. you know, certainly easier than I could with maybe some of my other bikes. I did get to a point where I was leasing that car and really started to do the math And I realized that between the insurance and insurance is always more expensive on a car than on a motorcycle, or at least by me it is. when I combined the leasing cost and my insurance cost, it was actually more expensive each year for me to have that car than to just buy a Vespa outright. So turned in the Subaru and I got a Vespa.
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And I saved more than $1, 000 a year on insurance. I got more than four times better fuel economy. And we already had another car. So this was getting rid of the second car. And my scooter basically became my second car. It was like I could carry groceries onto it. I've carried two by fours on that.
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It's really worked well as a second car. And most of the time when I'm going out to run that errand, not like carrying the kids in the top case or anything like that there, we'll take them in the car if we need to do something. But if I just need to run and pick up takeout or something like that, I'll just take the scooter you're getting 70 miles a gallon on that thing.
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It works really, really well compared to having a car. And I was commuting to and from New York City, I would pop on an AeroStich over my dress clothes, go to the train station, pop the AeroStich into the under seat storage, put the helmet into the top case and get onto the train and no one knew the better that I had ridden a motorcycle to get to the train station. So it can be a way that you can have a practical manner of saying, Hey, I'm going to replace a car or a second car, let's say with a bike. Th other one that I'd say is a more practical reason for getting a new bike would be that your needs have changed. And I highlighted a little bit of that with replacing the car with the scooter. let's say that you're early in your riding career and your current bike is sort of a learner bike. And you want to get something and it's a little bit more capable. Maybe you want something that has more power.
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Maybe you want something that has a larger tank. Maybe you want something that's a little bit more comfortable. Well, that's completely fine to say, Hey, here's a practical reason why you want to get that new bike. Cause it gives you capabilities that you did not have before. And maybe if it's that you wanted to try traveling, maybe you want to get a bike that has more luggage capacity And therefore this is going to help you try out a new experience in riding than you had been able to do You might want to get a lighter bike. I did this more recently when I got rid of my old GS, my old R75 and a sport bike. I actually traded all three of them in and I got the F900 GS. the new F900 GS is 80 pounds lighter than my old GSA. And I could move the GSA around if I was just doing like moving it around the garage.
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There was no problem. It wasn't that I was not physically capable of doing it, but if you're taking the bike more off-road, which is what I was doing quite a lot, that extra weight becomes a burden in a lot of ways. And a lighter bike is more fun when you're riding off-road. And quite frankly, it's also more fun when you're riding on-road because it's more sporty. It turns quicker. All these other benefits that you get with having a lighter bike are an advantage. Now, the other thing is if you need a lighter bike, because maybe you're getting a little bit older, maybe you have a physical condition that makes this harder for you, that lighter bike could be another practical reason for why you may want to replace your current bike. And to be honest, there's also certainly a lot of riders, certainly here in the United States who might get a or a sidecar, which has that extra wheel, which, again, helps make it a little bit easier that they're able to still ride, even if it's harder for them to balance the bike or lift it up off the side stand. So there can be some physical constraints that may make it a practical reason for why you need to get a new bike. And if you're doing a lot of highway riding specifically, or you want a bike that you can use through the winter months, having a bike that has more wind protection could be another reason why practically it makes sense for you to get a new bike. Maybe you've only had a standard or a fully naked now you'll want to have that protection from the wind to just make it a little easier and or if you're riding a lot of highway miles maybe you just find it fatiguing not having that wind protection.
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While you might be able to add a windshield onto your bike, maybe you want to get one that is a little bit more integrated has additional wind protection beyond just the And a final one, and this is, this is something that I think is more broadly happening to motorcyclists in general is maybe you don't need as much power. And while this seems almost contradictory to those who are looking to get more power, maybe from that learner bike that they had in truth, if you think about motorcycles today, the amount of power that we have has gotten so incredibly high. That you can't practically use it on the street.
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So as I mentioned, I just turned in and traded in one of my bikes, which was a sport bike. And this was a S 1000 R very quick sub two and a half seconds to go from zero to 60 miles an hour.
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So insanely, insanely fast, 160 horsepower. I own that bike for a decade and I can count on five fingers the number of times that I had. Full throttle open for more than a second because it, it accelerated so quickly. You just never had to hold it open for that long. So the adage of it's more fun to ride slow bike fast than a fast bike slow does really hold. And especially with a lot of the modern bikes, you don't need all that power. I mentioned that that old bike that I got rid of, this was a quote unquote, big bike in the early seventies because it was a 750 CC engine was the largest one that BMW made at the time.
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And it only had 50 horsepower.
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Today. Today, we think of that as being a relatively small or low power bike, especially in the world of super bikes that today have more than 200 horsepower. It's still only what four to 500 pounds is the typical motorcycle today. So how much power do you realistically need to be able to get you down the road, even in a fun way? And I'll say this, my, my new F 900 GS it's 105 horsepower. So I think that around the hundred horsepower is kind of a perfect option for most riders. It gives you enough power that you can still have fun, but it's not so much power that you feel you never have a chance to really fully utilize it. And that's the thing is if you have a 200 horsepower bike and you're riding on the street, you're really never going to be using that thing to its full potential.
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being able to get rid of a bike because you don't need that much power may be a practical reason.
00:32:41.445 --> 00:32:51.070
And of course you're going to save in terms of it. You're going to save on typically on fuel costs. You're going to save usually on insurance as well.
00:32:47.115 --> 00:32:52.050
there's reasons why downsizing is becoming so popular.
00:32:52.320 --> 00:33:10.000
So we've looked at a few different things with when it's time for a new bike. We looked at how a new bike doesn't have to necessarily be a brand new bike. It could be a new to you bike. We also looked at the difference between replacing a bike or adding one into the garage, that N plus one scenario.
00:33:10.411 --> 00:33:22.330
And finally, we looked at both sides of the question, why it might not be a good idea to get a bike and why it may be the perfect time to get a new bike.
00:33:17.601 --> 00:33:26.070
So my question to you is what drives you to want a new bike?
00:33:22.330 --> 00:33:32.740
Share your thoughts through the Texas show link in the show notes or leave us a voicemail at throttleandroast.com slash voicemail. Thanks for listening.
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I'll talk to you next week.
