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The order of events that will get you riding are:
- MSF course: Check state DMV regulations. May need moto permit first. This step is not required in most states, but is highly recommended.
- Motorcycle permit: DMV waives riding section with MSF course completion (most states). Some states will grant a full license with MSF course completion.
- Insurance: Call and pay initial fee by credit card and give the insurer the fax number of the motorcycle dealer (also, MSF course probably gets you a discount).
- Insurance company faxes insurance confirmation to the motorcycle dealer.
- When the dealer has confirmation that you are licensed and insured, the finances are next.
- Get riding gear -- at least a helmet, jacket and gloves.
- The bike is paid for and you ride it home.
Alternate order of events:
- Once you have the permit/license, peruse local classifieds, Craigslist, CycleTrader, local dealers, etc. for used motorcycles.
- Find likely candidate bike. Check prices on NADA or Kelly Blue Book.
- Take it to a trustworthy mechanic (use the nearest dealership if you don't know and can't find a bike mechanic you trust) and have a "pre-purchase inspection" done on the bike.
- Finalize the deal with the seller.
- Get riding gear -- at least a helmet, jacket and gloves.
- The bike is paid for and you ride it home.
The requirements might vary depending on where you live and the dealer you are doing business with. You can usually find a good used bike and save 20-50% over the cost of buying a new one.
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