Insurance and finance companys must have a real way to decide if the pricing is correct.
yes, when you buy a boat you will get a survey
done. The last part of the survey
is the value. The better way is to take a look at as many similar boats as you can and compare them. Asking and selling prices should be close but there can always be exceptions. You just need to get a feel for what similar boats are asking for and you should get a better idea of where the real price
There is always room to bargain. Boats and prices seem to work out a deal that makes both sides happy. A lot of people think all boats are overpriced by 15% so the real price is always less 15%. Might be easy if it was true but it's not. Some times people price their boats so they can be sold quickly other times they price them high because they think some idiot will pay that much and they really are not for sale
. You just don't know who is doing which to whom.
Try to find comparable prices for similar boats. A long list of similar boats will get you pretty darn close to the real price. Of course there is no assurance that price is what you can afford. If you want to talk about a deal come with a certified check and a written offer subject to marine
survey and sea trial. Then they know you mean business and you can negotiate.