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Boat Buying FAQ
When is the best time to buy a boat?
The best time to buy a boat depends on several factors including your budget and current market conditions. Typically, the best time to buy a boat is at the end of the boating season. During this time, inventory on the market could be discounted as it is no longer peak season. Additionally, some dealers tend to reduce prices to clear out inventory to make room for new stock. Private sellers are often motivated to sell their boats so they do not have to deal with off-season storage fees and winterization fees.
What time is boat is best for my needs?
There are many things to consider when deciding what type of boat is best for you. First, consider what you will be using the boat for? Is it to casually stroll a lake on the weekend or are you into deep sea fishing. Another consideration is where the boat will be used? How many people will be using it with you and what is your budget? Once you have answered these questions you will be able to key in on the perfect vessel to enjoy on the water.
Should I buy a used or new boat?
Ultimately, the decision to buy a new or used boat comes down to your budget, the features you need, the availability to find the boat you desire, and your comfort level with owning a pre-owned boat over a new one. There are pros and cons to each. Here are a few to consider:
New Boat
Pros
- Latest features and technology
- Manufacturer’s warranty
- Customizable options
- No previous wear and tear
- Less short-term maintenance
Cons
- Higher cost
- Faster depreciation
- May haven initial issues and bugs to work out
- No history of reliability
Used Boat
Pros
- Lower cost
- Depreciates at a slower rate.
- May have necessary upgrades or modifications.
- Proven track record of reliability
Cons
- Risk of pre-existing issues
- Limited customization options
- Financing could be more difficult and expensive
- Cost of maintenance will probably be higher than buying new.
Make sure to do your research and find out what your best option is. If you are patient and do your due diligence, there are some great benefits to owning a used boat.
What are the most important features to look for in a boat?
The most important features in a boat really depend on how you plan to use it, but there are a few things that you want to consider before making the purchase.
- Size and layout – choose a boat that fits your typical group size.
- Hull type – the shape of the hull affects how the boat rides.
- Engine type and power – make sure you have enough horsepower for your intended use.
- Electronics and navigation – things like GPS, depth finder, fish finder, and stereo aren’t always standard.
- Safety features – safety gear is a must-have no matter what.
- Condition – check the hull for cracks or blisters, check the engine hours and condition, and look for water damage.
- Trailer (if applicable) – if towing, make sure trailer is included.
How can I finance my boat purchase?
Banks will often be willing to provide financing for boats. There are a few places that specialize in boat financing, and may be able to respond quicker and find better rates than banks. For help financing your boat, we suggest SeaDream Inc. In addition to having access to great rates, they are known for the personal service they offer their clients.
What is the cost of boat insurance and what does it cover?
The cost and coverage of boat insurance can vary widely depending on a variety of factors. We have teamed up with American Adventure Insurance to provide boat insurance policies in all 50 states for private buyers like you. They work with all major insurance providers, so their rates are always competitive, and they get you the coverage that you need while on the water.
What maintenance and upkeep is required for owning an boat?
Owning a boat comes with ongoing maintenance—some of it seasonal, some of it routine. Some of the most important maintenance tasks include:
Routine Maintenance:
- Rinse and clean the boat after each use
- Inspect the engine for leaks and wear
- Check fluid levels
- Inspect the propeller
- Check the bilge pump
- Inspect and clean strainers
Scheduled Maintenance:
- Engine service
- Change fuel filters
- Bottom cleaning and inspection
- Hull waxing and buffing
- Inspect steering system
- Flush and winterize
- Inspect trailer (if applicable)
Can I drive an boat with a standard driver’s license?
You might be able to drive a boat with a standard drivers license but it depends on where you live, your age, and the type of boat you own. Most states do not require a special boating license for adults, but many do require a boating safety course. So even if you don’t need a separate license, you may still need to complete a state-approved boater education course to legally operate a boat.
Bottomline, If you’re an adult and plan to drive a recreational boat, you probably don’t need a special license, but you might need a boater safety certificate depending on your state. It is best to check with your state specifically as the rules and regulations are different for each one.
What are the most common problems with a boat and how can I avoid them?
Here are some of the most common problems that boat owners experience, as well as tips on how to avoid them:
- Engine problems – the number one issue boaters run into. Regular service can help avoid some potential issues.
- Electrical problems – corrosion, especially in saltwater, can cause electrical connections to fail.
- Fuel system leaks – over time, fuel lines can crack and leak.
- Bilge pump failure – test the pump before heading out.
- Steering and control issues – saltwater, corrosion, or worn cables can cause steering issues.
- Hull damage or leaks – small cracks can lead to big problems over time. Regular inspections can help in the long term.
- Mold and mildew – proper ventilation prevents mold from accumulating over time.
Boats reward proactive care. A pre-launch checklist and preventative maintenance plan can go a long way in preventing issues down the road.
How can I negotiate the best price for the boat I am interested in?
When trying to negotiate the best price on the boat you are trying to purchase there are a few things you can do to give yourself the best shot at paying the lowest price. A few steps to take are to research the market, point out the flaws, make a reasonable offer, be respectful the entire time, and lastly be prepared to walk away.
What are some common boat financing mistakes?
The biggest boat financing mistake we see is biting off more than you can chew. When purchasing a boat, it is best to check your finances, set a budget, and then stick to it! Remember licensing and insurance will need to be paid as soon as you buy a boat.
How do I properly maintain and store my boat when not in use?
Properly maintaining and storing your boat when it’s not in use is key to protecting your investment and avoiding costly repairs.
- Clean the boat thoroughly
- Flush the system
- Drain water systems
- Change engine oil and filters
- Add fuel stabilizer and fill the tank
- Disconnect the battery
- Lubricate moving parts
- Check for need repairs and fix them
What is the process of transferring ownership of a boat?
To transfer boat ownership, the buyer and seller need to complete a bill of sale with details like names, sale date, price, and boat info. If the boat has a title, the seller signs it over, and the buyer submits it—along with the bill of sale—to the state boating agency to get a new title and registration. If a trailer is included, it may require a separate title transfer through the DMV. The buyer may also need to pay sales tax and should check for any liens and make sure the hull ID number matches all paperwork. Getting insurance is also a smart step before using the boat.
