I just found an answer to a 3 year old question that I had. the Zumo 660 micro secure digital chip would not play through Harley speakers. I put tape on the contact, plugged a dummy plug into the headphone jack on the Zumo 660, moved the rocker switch to the bottom position and the mp3 works great.
follow the instructions. someone ekse may have posted this but it was new to me.
Both the Harley Road Tech and Zumo 660 branded GPSes may prohibit the MP3 player from working when you place the unit in the cradle. (Update: replies to this post show that newer bikes with Harley's navigation system interfaces and updated Road Tech Zumo firmware may not have this problem) So If you've encountered this problem, once you get the cradle installed and plug your AUX port into the speaker cable on the Harley Road Tech Zumo 660 cradle harness and you get an error message on the GPS when you touch the Media Player icon that says: Use your bike's radio/bluetooth, Connect headphones or remove from cradle - you might want to try this fix.
I'm not sure if it is a conspiracy with Harley and BMW to make you buy iPod options, but to enable this fix on the Zumo unit, flip it over. simply cut a piece of electrical tape about 1/16 inch wide and place it over the 3rd contact from the bottom right (looking at the Zumo from the back). This fools the unit into 'non-cradle mode' and the firmware allows the MP3 player to work as long as it senses a mini-plug in the headphone jack. A photo is attached showing the correct contact to cover.
Now put the unit in the cradle and plug in a dummy mini-stereo jack patch cord into the left side headphone jack (under the rubber flap) and the Zumo cradle/harness mini-jack lead into the AUX port on the Harley radio. Now select the Media Player, then select source until you see your external card (gotta have one, with MP3's installed under the battery door), and at that time, the Zumo should start cataloging the MP3s - sorry it won't find WMA's. Select the song/artist/album/playlist you want and let it rip! Happy tunes!