harley davidson insurance: Feel the wind in your hair as you cruise down an open highway on your Harley. Riding a motorcycle offers an unmatched sense of freedom and adventure. However, bike owners also need protection in case the unexpected happens on the road. That’s where Harley-Davidson insurance comes in.
Harley-Davidson offers customized insurance policies exclusively for Harley owners. Their plans provide extensive coverage options for your bike, accessories, safety gear and more. Read on to learn why Harley motorcycle insurance may be the right choice to protect your ride.
- 1 Why Choose harley davidson insurance?
- 2 Harley-Davidson Motorcycle Insurance Coverage
- 3 Harley-Davidson vs Other Motorcycle Insurers
- 4 What Factors Affect Your Premiums?
- 5 How To Get A Harley Insurance Quote
- 6 FAQ About Harley-Davidson Insurance
- 7 Take to the Open Highway With Peace of Mind
- 8 Related Posts
Why Choose harley davidson insurance?
Harley Davidson insurance provides special advantages for Harley owners:
✅ Comprehensive coverage – Get protection for collision, theft, vandalism and more. Add accessories like custom parts, trailers and safety gear.
✅ Genuine OEM parts – Damaged parts are repaired or replaced with original Harley-Davidson components. This maintains the bike’s value.
✅ Agreed value – The insurer agrees to cover your motorcycle for a fixed amount if it’s totaled. This means you get full compensation.
✅ 24/7 roadside assistance – Get help with lockouts, battery jumps, fuel delivery and towing up to 100 miles, anytime and anywhere.
✅ Full safety gear coverage – Your helmet, riding jacket, pants, boots and gloves are protected in the event of an accident.
✅ Transferable loyalty rewards – Get gift cards and discounts for insuring multiple Harley bikes over time.
✅ Flexible payment plans – Pay annually, semi-annually or split premiums into 12 monthly installments.
Harley-Davidson Motorcycle Insurance Coverage
Harley-Davidson insurance offers different levels of protection for your bike and gear:
Liability Coverage
This mandatory minimum coverage protects you if you cause damage or injuries to others in an accident. It helps pay for the other driver’s medical bills and vehicle repairs.
- Bodily injury liability – Covers injuries to other people
- Property damage liability – Covers damage to another person’s vehicle and property
- Uninsured motorist coverage – Protects you if the other driver has no insurance
Collision and Comprehensive Coverage
These optional coverages pay for damage to your own motorcycle from accidents or other incidents.
- Collision – Covers your bike after an accident with another vehicle or object
- Comprehensive – Covers events like theft, vandalism, fire, floods, animal collisions and more
Accessories Coverage
Add-on coverage for non-factory parts like custom mirrors, seats, exhaust pipes, wheels and more.
Safety Gear Coverage
Protect your helmet, riding jacket, gloves, pants, boots and other gear if damaged in an accident.
Roadside Assistance
Emergency help for lock outs, dead battery, flat tires, fuel delivery and 100-mile towing.
Replacement Cost and Agreed Value
Get the cash to replace your Harley or receive a fixed payout amount if it’s totaled.
Harley-Davidson vs Other Motorcycle Insurers
How does Harley-Davidson insurance compare to coverage from regular motorcycle insurance companies? Here’s a quick overview:
| Feature | Harley-Davidson Insurance | Standard Motorcycle Insurance |
|---|---|---|
| Harley Genuine OEM Parts | ✅ | ❌ |
| Full Safety Gear Coverage | ✅ | ❌ |
| Transferable Loyalty Rewards | ✅ | ❌ |
| Agreed Value Payout | ✅ | ❌ |
| 247 Roadside Assistance | ✅ | ✔️/❌ |
| Theft and Vandalism Protection | ✅ | ✅ |
| Bodily Injury Liability | ✅ | ✅ |
| Accessories Coverage | ✅ | ✔️/❌ |
| Rates for Harley Owners | ✅ | ✅ |
While you can certainly insure your Harley with a standard insurer, Harley’s own insurance offers specialized benefits tailored specifically for your bike.
What Factors Affect Your Premiums?
Like other motorcycle insurance, several criteria determine your Harley insurance costs:
- Bike model – Premiums are higher for bikes with bigger engines like Touring and CVO models.
- Coverage levels – More extensive coverage raises rates but also your protection.
- Rider’s age – Young and elderly riders may pay more.
- Driving history – A clean record with no tickets or claims generally means lower premiums.
- Location – Insurance costs more if you live in high-risk areas like cities.
- Discounts – Take defensive driving courses, insure multiple bikes, etc. to save money.
How To Get A Harley Insurance Quote
Ready to get a quote for Harley-Davidson motorcycle insurance? Just follow these steps:
📱 Call for a quote – Speak to a specialist at 1-888-690-5600. Provide details on your bike, riding history and coverage needs.
🔍 Get an instant quote online – Visit Harley-Davidson Insurance and enter your zip code, bike info and other details to see quotes.
🚦 Visit an authorized dealer – Licensed Harley dealers can provide quotes and facilitate the insurance purchase for your convenience.
📝 Fill out the quote form – You can also submit the quote form on Harley’s website and an agent will contact you.
Once you have your quote, think about the coverage options and limits that best fit your budget and protection needs.
FAQ About Harley-Davidson Insurance
Here are answers to some frequently asked questions about insuring your Harley motorcycle:
Q: Why does Harley-Davidson offer its own insurance?
A: Harley provides customized coverage exclusively for Harley bikes. Their insurance includes rewards, repairs with genuine parts, and benefits you can’t get from standard insurers.
Q: Can I get discounts on my premiums?
A: Yes, Harley offers savings for completing safety courses, insuring multiple bikes, paying annually, having prior insurance, and more. Ask your agent about available discounts.
Q: Does coverage extend to Mexico or Canada?
A: Yes, Harley’s policy includes coverage for short trips to Mexico and Canada. Longer stays may require added coverage – check with your agent.
Q: What is the claims process like?
A: Report your claim 24/7 and a specialist will guide you through next steps. Harley aims to settle claims quickly and get you back on the road.
Q: Can I get insurance if I customize my bike?
A: Yes, Harley insurance allows you to add accessories coverage for aftermarket parts like custom seats, exhausts, chrome, audio and more.
Take to the Open Highway With Peace of Mind
Cruising down an open road on a Harley is an incredible feeling. Protect your bike and your adventures with a tailored insurance policy from Harley-Davidson. Comprehensive coverage options, genuine OEM parts for repairs, rewards programs and 24/7 support provide security and value for Harley riders.
Compare quotes to find the right plan at the right price. Then you can hit the highway, knowing you and your Harley are covered. Ride on!
