So I have a handshake deal to 'trade' bikes with a woman on Tues night. She has an '07 GSXR 600 that's just a little too big for her and I have my '05 GS 500 that's a little small. My question is regarding the title transfer. I have never done this before and am a little confused. We both have a clear title, in hand, and I am giving my bike + cash for her bike. I checked online but every source I found says that you write the terms of sale on the back of the title when you get it notarized, then pay sales tax when you to go to DMV. Well, it seems silly to pay sales tax again so she said we will 'fudge' the numbers. Sounds good to me except, will this affect the value of my new bike with my insurance company? Is this how people usually go about this kind of thing? I feel like I am missing something, but I tend to over-analyze EVERYthing so I just wanted to get some input.