Owning a Harley Davidson is an exciting experience, but it’s important to protect your motorcycle with the right insurance. Harley Davidson Motorcycle Insurance offers special coverage designed just for Harley owners. But is it the best choice for you?
In this article, we’ll look at what Harley Davidson Motorcycle Insurance covers, its benefits, costs, and what other customers think about it. By the end, you’ll know if this insurance is a good fit for you and your bike. Let’s explore what Harley Davidson Motorcycle Insurance has to offer!
Pros and Cons of Harley Davidson Motorcycle Insurance
Pros
- Comprehensive Coverage Options: Harley-Davidson insurance covers a wide variety of motorcycles, including cruisers, dirt bikes, touring bikes, electric bikes, and more.
- Optional Equipment Coverage: If you customize your bike, you can get coverage for optional equipment, which is a significant advantage for many Harley owners.
- Discounts: There are discounts available for military members, law enforcement, and experienced riders. Additionally, you can get discounts for bundling services like bike loans and extended service plans.
- Specialized Services: Harley-Davidson offers financing, extended service plans, planned maintenance, and appearance protection, making it a one-stop shop for motorcycle needs.
- Trip Interruption Coverage: If your bike breaks down far from home, this coverage helps with expenses like lodging and food.
- Roadside Assistance: 24-hour roadside assistance is available, which can be a lifesaver if you encounter issues while on the road.
Cons
- Higher Premiums: The specialized coverage and brand-specific benefits can come with higher premium costs compared to other insurance providers.
- Limited Bundling Options: Harley Davidson Insurance only offers motorcycle insurance, so you can’t bundle it with other insurance products like home or auto insurance.
- Coverage Availability: Insurance is not available in Alaska, Hawaii, and Washington D.C., which limits its accessibility for some riders.
- Specific Coverage Limitations: Some specific coverage options, like protection for trailers, are not available.
Harley Davidson Motorcycle Insurance Coverage
Harley Davidson motorcycle insurance offers a range of coverage options designed to protect both the motorcycle and the rider. Here are some key coverage options available:
- Liability Coverage: This covers bodily injury and property damage that you may cause to others in an accident. It helps pay for medical expenses, lost wages, and property repairs for the other party.
- Collision Coverage: Collision coverage pays for damage to your motorcycle resulting from a collision with another vehicle or object. This coverage is essential for repairing or replacing your bike after an accident.
- Comprehensive Coverage: Comprehensive coverage protects your motorcycle from non-collision-related incidents such as theft, vandalism, fire, and natural disasters. It ensures that you are covered for a wide range of potential risks.
- Underinsured/Uninsured Motorist Coverage: This coverage protects if you are involved in an accident with a driver who does not have insurance or has insufficient coverage. It helps cover medical expenses and property damage in such situations.
- Medical Payment Coverage: Medical payment coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.
- Coverage for Helmets and Safety Apparel: Harley-Davidson insurance also offers coverage for helmets and safety gear, ensuring that your protective equipment is covered in case of damage or loss.
- Total Loss Coverage: In the event of a total loss, this coverage helps you replace your motorcycle with a new one of the same make and model.
- Trip Interruption Coverage: If you experience a breakdown or accident more than 100 miles from home, trip interruption coverage helps cover expenses such as lodging, meals, and transportation.
- Optional Equipment Coverage: This coverage protects any custom parts or accessories you have added to your motorcycle, ensuring that your investments in personalization are safeguarded.
- Roadside Assistance: Harley-Davidson insurance provides 24-hour roadside assistance, including towing services, to help you get back on the road quickly in case of a breakdown.
Harley Davidson Motorcycle Insurance Quotes
These coverage options make Harley Davidson motorcycle insurance a comprehensive and specialized choice for Harley owners, ensuring that both the motorcycle and the rider are well-protected.
Harley Davidson Motorcycle Insurance Pricing
Harley Davidson motorcycle insurance offers competitive pricing with a range of coverage options to suit different needs. On average, the cost of Harley Davidson motorcycle insurance is around $24 per month, which is 29% cheaper than the national average and more affordable than large companies like Geico and Allstate.
However, the actual cost can vary depending on several factors, including the model of the motorcycle, the rider’s age and driving history, location, and the level of coverage chosen. For example, full coverage motorcycle insurance from Harley-Davidson costs around $42 per month in California, which is slightly below the state average.
Harley-Davidson also offers various discounts to help make their insurance even more affordable. These discounts include multi-bike discounts, military and law enforcement discounts, and savings for completing motorcycle safety courses.
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Overall, while Harley Davidson motorcycle insurance provides great coverage and benefits, it’s important to get a personalized quote to understand the exact pricing based on your specific circumstances.
Harley Davidson Motorcycle Insurance Accessibility
Harley Davidson motorcycle insurance is widely accessible across the United States, with policies available in 48 states. Unfortunately, riders in Alaska and Hawaii, as well as Washington D.C., cannot currently obtain a policy with Harley Davidson Insurance.
Despite this limitation, Harley-Davidson Insurance offers coverage for a variety of motorcycle types, not just Harley-Davidson models. This includes cruisers, sports bikes, touring bikes, and more. Additionally, if you have an H-D insurance policy in a covered state, you will still be insured when traveling to Alaska or Hawaii.
The insurance policies are designed to meet the diverse needs of motorcycle riders, offering a range of coverage options and benefits. Whether you are a new rider or an experienced one, Harley-Davidson Insurance aims to provide comprehensive protection and peace of mind on the road.
Contact Details
Customer Service and Policy Questions:
- Phone: 800-242-2464
- Hours: Monday to Saturday, 7 a.m. – 11 p.m. CT; Sunday, 8 a.m. – 7 p.m. CT.
Claims Service:
- Phone: 800-242-2464
- Availability: 24 hours a day, 7 days a week.
Get a Quote:
- Phone: 800-909-8393
- Hours: Monday to Saturday, 7 a.m. – 11 p.m. CT; Sunday, 8 a.m. – 7 p.m. CT.
Online Services:
- Website: Harley-Davidson Insurance Contact Us.
Harley Davidson Motorcycle Insurance Discounts
Harley Davidson motorcycle insurance offers several discounts to help make coverage more affordable for riders. Here are some of the key discounts available:
- Multi-Bike Discount: If you insure more than one motorcycle with Harley-Davidson Insurance, you can receive a discount on your premiums.
- Military and Law Enforcement Discount: Active and retired military personnel, as well as law enforcement officers, are eligible for special discounts on their insurance policies.
- Motorcycle Safety Course Discount: Riders who complete an approved motorcycle safety course can qualify for a discount on their insurance premiums.
- H.O.G. Membership Discount: Members of the Harley Owners Group (H.O.G.) can enjoy exclusive discounts on parts, accessories, services, and MotorClothes merchandise.
- Loyalty Discounts: Long-term policyholders may be eligible for loyalty discounts, rewarding them for their continued commitment to Harley-Davidson Insurance.
- Anti-Theft Device Discount: Installing an approved anti-theft device on your motorcycle can help lower your insurance premiums.
- Bundling Discounts: While Harley-Davidson Insurance primarily focuses on motorcycle coverage, bundling multiple policies (such as insuring multiple bikes) can lead to additional savings.
- New Motorcycle Discount: If you insure a brand-new motorcycle, you can receive a discount on your insurance premiums.
- Experienced Rider Discount: Riders with several years of riding experience can qualify for a discount based on their experience.
- Motorcycle Endorsement Discount: Having a motorcycle endorsement on your driver’s license from completing an approved riding class can make you eligible for a discount.
- Home Ownership Discount: If you own a home, condo, townhouse, mobile home, or modular home and have it insured with homeowners insurance, you might qualify for a home ownership discount on your bike insurance.
- Claim-Free Renewal Discount: If you weren’t at fault for any accidents during the previous policy period, you can receive a discount when you renew your Harley-Davidson Insurance policy.
These discounts make Harley Davidson motorcycle insurance an attractive option for riders looking to protect their investment while saving money. Be sure to check with Harley-Davidson Insurance for the most up-to-date information on available discounts and eligibility requirements.
Harley Davidson Motorcycle Insurance Customer Satisfaction
Customer satisfaction with Harley-Davidson motorcycle insurance is generally positive, though there are some mixed reviews. Harley-Davidson Financial Services, which provides insurance, has been accredited by the Better Business Bureau (BBB) since 2010 and holds an A+ rating.
However, the average customer review rating on the BBB site is relatively low, at 1.03 out of 5, based on 60 reviews. Many customers appreciate the comprehensive coverage options and the ease of the claims process. Additionally, the specialized services tailored for Harley-Davidson motorcycles, such as optional equipment coverage and roadside assistance, receive high praise.
On the downside, some customers have reported issues with finding specific policy information and have experienced dissatisfaction with customer service response times. Overall, while the insurance offers robust coverage and benefits, customer experiences can vary.
FAQs
Q 1. What is the process for getting a quote for Harley Davidson motorcycle insurance?
Ans. You can get a quote online through the Harley-Davidson Insurance website or by calling their customer service. You’ll need to provide information about your motorcycle, your driving history, and the coverage options you’re interested in.
Q 2. Can I transfer my existing motorcycle insurance to Harley-Davidson Insurance?
Ans. Yes, you can transfer your existing motorcycle insurance to Harley-Davidson Insurance. It’s best to contact their customer service to understand the process and any potential benefits.
Q 3. Does Harley-Davidson Insurance cover custom paint jobs?
Ans. Yes, Harley-Davidson Insurance offers optional equipment coverage, which can include custom paint jobs. Be sure to discuss this with your insurance agent to ensure your customizations are covered.
Q 4. Are there any mileage restrictions with Harley Davidson motorcycle insurance?
Ans. Generally, there are no mileage restrictions with Harley Davidson motorcycle insurance. However, it’s always a good idea to check with your insurance provider for any specific terms and conditions.
Q 5. How can I lower my Harley-Davidson motorcycle insurance premiums?
Ans. You can lower your premiums by taking advantage of available discounts, such as multi-bike discounts, military and law enforcement discounts, and completing a motorcycle safety course. Additionally, maintaining a clean driving record can help reduce your premiums.
Q 6. What should I do if I need to file a claim?
Ans. If you need to file a claim, you can do so online through the Harley-Davidson Insurance website or by calling their claims service. Be sure to have all necessary information, such as your policy number and details of the incident, ready when filing a claim.
Q 7. Does Harley Davidson Insurance offer coverage for vintage motorcycles?
Ans. Yes, Harley-Davidson Insurance offers coverage for vintage and classic motorcycles. It’s best to contact their customer service to discuss the specific coverage options available for your vintage bike.
Q 8. Can I add additional riders to my Harley Davidson motorcycle insurance policy?
Ans. Yes, you can add additional riders to your policy. Be sure to provide their information and discuss any potential impact on your premiums with your insurance agent.
Conclusion
Harley Davidson motorcycle insurance offers a range of benefits that are specially designed for Harley-Davidson owners. With comprehensive coverage options, access to genuine parts, and various discounts, it provides peace of mind for riders. The insurance also includes roadside assistance, accident forgiveness, and coverage for custom parts, making it a great choice for those who love to personalize their bikes. While it may come at a higher cost, the specialized coverage and positive customer reviews make it worth considering. Overall, Harley-Davidson motorcycle insurance ensures that both you and your motorcycle are well-protected on every ride.
Milo Thistlethwaite is an auto insurance guru with over 8 years of experience in the industry. Holding a CPCU (Chartered Property Casualty Underwriter) certification, Milo is passionate about helping drivers find the best coverage for their needs. As an author on the ‘Insurance Guy’ blog, Milo writes clear, easy-to-understand articles about auto insurance.
