Ozone,
Harley's sales are slipping and the days of their being able to charge an above-MSRP price are gone. Time was that you walked into a Harley dealership and put down a deposit for a bike that would be available some time in the future. Not anymore although some dealers would still like to sell you that idea. Every dealer around here has bikes sitting on the showroom floor and I'm talking about a bunch of them, not just one or two. As recently as a couple of months ago there were brand new 2007's left in the central Texas area. There may still be for all I know.
What I'm trying to say is that you shouldn't buy into the salesman's hype. Walk into that place with the attitude that YOU are the man with the money and if the dealer wants it they will have to work for it. Go in informed. Know what the MSRP of a given bike is and set out to pay less than that if at all possible. Get your hands on a copy of the Harley accessories catalog and if a bike you are looking at doesn't have all the things you want take the time to research how much the extras will cost. Find out if the dealer will install the extras you want free of labor charges or at least at a reduced rate as a condition of you buying the bike. After all, they will be making money on the sale of the bike and the accessories. Labor may be negotiable. Get it in writing.
Fix firmly in your mind that you don't have to buy a bike today. In fact, you shouldn't buy today. Dealerships are very good at what they do, which is sell motorcycles. They desperately want to get you to buy NOW. Make it clear that you can and will go to other dealerships and price compare. Get them to give you, in writing, the best price they can make on any bike you are interested in. Be sure what they put on paper is the total price that you will need to finance. No hidden charges. Make the salesman sign it. Then walk out (unless they have made you an offer you shouldn't refuse). At the very least ask if this is really the best deal they will make and start walking slowly for the door. The fact that you are walking toward the exit puts the salesman in the position of having to follow you and gives you a psychological advantage. He or she really doesn't want you to leave without buying. You might be pleasantly surprised to learn that what is on that piece of paper is not the actual lowest price they will take. Get the new lowest price in writing and signed by the salesman. Look it over and, unless it's too good to walk away from, head for the door again. I'm sure you get the idea. It's your money we are talking about. They'd like to make it "we've got the bike you want". Turn the tables. "I've got the money you want."
Even when you feel that you have found the best deal possible, go for more. Want to take the "Riders Edge" course? See if that can be included at no extra cost or at least at a reduced tuition. Maybe a free or reduced price first servicing? A couple of free t-shirts? Now is the time to push it. They think they have you ready to sign the papers. They can smell that money. Ask! Get it in writing! Signed!
Here's a few more things to think about:
(1) Never buy a bike you haven't ridden. If it's a used bike, ride it or walk away. If it's brand new, ride a demo bike of the same type. If the dealership doesn't have a demo bike go to another dealership that does. You can always return to the original dealership if the deal they offer is better. It would be a shame to buy a bike and discover you don't like it. (Ask me how I know this. Yep, I did it. Kawasaki Nomad.)
(2) A salesman will try to get you to mentally take possession of the bike and therefore commit to the deal. This puts him or her in the drivers seat. It can be as simple as telling you to "just keep the keys" after your test ride or offering to let you choose a t-shirt for your very own. Don't do it. That bike is theirs and you are uncommitted until the deal is to your liking.
(3) Never start off dickering for the bike you want. Always choose a cheaper, less well equipped, bike as a starting point. Salespeople are trained to sell you more bike than you need or can afford. By starting with a lesser bike you make them work for it as you move up to the bike you really want. If nothing else, say that you don't like the color and act like that is a deal-breaker. It puts you in a better negotiating position.
(4) Never go to a dealership with the intent to buy if you don't have time to hang around awhile. Working out the best deal possible takes time. Sometimes all day. Remember that keeping the salesperson tied up thinking you are a sure thing puts the odds in your favor as time goes by. If you can't take the time you will be the loser when the papers are signed.
(5) Don't go to a dealership with unrealistic expectations. Any dealer has to make a profit or they will go out of business. Either choose a bike you can afford or wait until you can afford the one you want. The idea is to make the dealer take as small a profit as possible, not a loss. They won't take a loss. Just be sure that what you did today won't land you in bankruptcy court tomorrow or have you wishing you hadn't done it.
(6) Start your quest with a monthly payment you can afford in mind. Stick to that number. I think you will find that things like interest rate and number of months will fall into line if you stick with a monthly payment you can afford.
Storm