Nobody expects bike accidents to happen when they ride, but it happens. It happens every day. And it adds extra numbers to your expense list. But with insurance, you can save your money from being spent on the repair of your bikes.
Harley Davidson insurance offers some great facilities for your bikes. Their 29% cheaper than the national average makes them highly affordable for everyone. The best part is you do not necessarily need to ride a Harley to get your insurance at Harley Davidson.
Let’s explore the insurance pros and cons of the company, their policies, features of their insurance, and more. It will help you make an informed decision regarding the insurance of your two-wheeler.
Harley Davidson Insurance: An Overview
| Company Name | Harley-Davidson Insurance Services, Inc. |
| Founded in | 1903 |
| Founded by | Walter Davidson, Arthur Davidson, and William Harley |
| Headquarter in | Milwaukee, Wisconsin, United States |
| Services Available in | 48 states in the United States of America |
| Services Available for | Liability coverage, medical payments, roadside assistance, total loss coverage, helmets and safety apparel, etc. |
| Net worth | $5.11B |
The name “Harley-Davidson” is a buzzword among bikers. They are one of the two major motorcycle manufacturers in the United States to survive the Great Depression of the early 1900s. They have been a name of confidence for years among bikers. Their insurance service is not restricted to Harley bikes; you can get your motorbike insurance on various motorcycle types.
The insurance team of Harley Davidson is very cooperative and supportive. They understand the needs of bikers and always try to meet those needs. They offer state-required liability insurance at the most affordable rate.
Harley-Davidson has been around since 1903. They have been providing service for more than a century now with a high reputation. It makes them a very reliable company. They are praised not only for manufacturing great-designed bikes but also for their best support regarding insurance. They are especially popular for their affordable motorcycle insurance.
Pros and Cons of Harley Davidson Insurance
| Pros | Cons |
| Customized Bike Protection | Cannot Bundle Auto and Motorcycle Insurance |
| Best for Bikes Used Regularly | More Expensive |
| Offers Additional Coverages | |
| Generous Discounts |
You need to get insurance for your bike; that is a must. But whether you should have it at Harley Davidson or in some other companies depends on you. Instead of playing a tossing game, you should consider the advantages and disadvantages while making your decision.
1. Customized Bike Protection
Who does not like to add a personal touch to the bike? Surely, your bike has a lot to do with your personality. It expresses your taste, your belief, and more. However, when you attempt to customize, many insurance companies will say that you are violating the policy of insurance.
That is not an issue with Harley Davidson. You can have your bike customized and get specialized insurance for your bike with extra benefits. You can customize your insurance, too, for enhanced accessories and features.
2. Best for Bikes Used Regularly
Do you use your bike as the primary medium of transportation? Then getting Harley Davidson insurance will be more reassuring for you. As you will be using your bike daily, you will need to spend more on fuel, servicing, etc. Harley Davidson ensures that their rate is not becoming a burden for you. That is why they maintain a very low rate.
Additionally, your bike will accumulate extra mileage when it is your primary medium of transportation. You can have your customized insurance from Harley Davidson for the coverage of extra mileage. They cover everything from roadside assistance to a seamless claims process, and assistance has made them a popular choice among them.
3. Offers Additional Coverages
Seeking additional coverages? Then there can be hardly a better option for you than Harley Davidson. They have a wide range of coverage options. State-minimum insurance requirements mostly cover the basic liability aspects. In most cases, it is limited to road accidents.
However, you can get extra coverage from Harley Davidson. From enhanced financial protection to personal injury protection, rental reimbursement, roadside assistance, and accessory and customized parts coverage, you can get based on your needs.
From roadside assistance to scheduling repairs, their insurance offers optional rental and reimbursement to its users.
4. Generous Discounts
What sets Harley Davidson from other insurance companies is that it cares about you. Therefore, the company often offers different discounts to its users. From safe ride discounts to multiple vehicles, multi-policy, and good student discounts, there are so many of them.
These discounts are to encourage taking safety precautions for you and your bikes. Besides, the company also wishes to ensure its users are not becoming overburdened by the insurance rates. However, the discounts are not available for everyone. There are some conditions.
5. Cannot Bundle Auto and Motorcycle Insurance (Con)
Yes, there are several benefits of having Harley Davidson insurance, but there is a little quirk too. You cannot bundle your auto and motorcycle insurance. While bundling them would make it easier for you to manage your insurance, could add an extra bonus, and be cost-effective, you are going to miss this opportunity with Harley Davidson.
If you own both auto and motorcycles, then you will have to take separate insurances that you cannot bundle together. It is the only con that people often complain about.
6. More Expensive (Con)
Though Harley-Davidson offers many benefits, it comes at a price. The annual charge of the company’s insurance is slightly higher than the other companies. However, given the longevity of their services and the number of benefits they offer, it is acceptable for most people.
Harley Davidson Insurance Coverages
A number of coverage options are available in H-D insurance to meet the unique concerns of motorcycle riders. Their coverages are designed with unique concerns. It is great news that the insurance coverage of the company is not restricted to Harley users.
Instead, they have a long list of bikes they offer insurance to. Here is a list of the variety of bikes they provide coverage. You can choose from a wide range of coverages.
| CruiserS SeriesSportsterStreet RodStandardDynaTouringSoftailElectric | Sport bikeDirt bikeTrikeDual purposeScooterAutocycleMopedV-Rod®CVO® |
Apart from a wide range of bike models, Harley Davidson also offers a wide range of coverages. Here is a full list of their large range of coverages to find the best one for you:
| Optional equipment coverage | Protects equipments on your bike which are not factory standard |
| Vacation rental insurance | Same level of coverage on a rental motorcycle |
| Bike replacement cost | Helps you get your bike replaces not at depreciation value |
| Optional equipment replacement cost | Covered for the replacement cost of total loss equipments |
| Uninsured motorist bodily injury | Bodily injuries you suffer in an accident with uninsured vehicle |
| Uninsured motorist property damage | Helps pay for repairs to your motorcycle if it gets damaged in an accident caused by someone who doesn’t have insurance |
| Underinsured motorist bodily injury | Bodily injuries you suffer in an accident with underinsured vehicle |
| Underinsured motorist property damage | If the person who causes an accident doesn’t have enough insurance to pay for your motorcycle’s damage, Harley Davidson will step up to cover |
| Rental reimbursement coverage and vacation | The reimbursement coverage and vacation rental pays for transport rental in qualified cases. |
| Medical expense coverage | Medical coverage for you and your passenger if you face an accident while riding an underinsured vehicle |
| Personal injury protection | Offers coverage for medical expenses, up to a specified limit |
Claims at Harley Davidson Insurance
Claims are handled with much professionalism at Harley Davidson. It adds another star to their service, which compliments their already competitive rates. You can file your claim both with and without the Internet.
You can call the insurance claims hotline at 800-242-2464 and do as they provide instructions. The expert team of motorcycle claim specialists is always there to help you. It can be any day of the week and any hour of the day. You can also file a claim online.
Your claim will be reviewed. Our motorcycle claim specialists are standing ready to help you with their expertise and wisdom. You should report your claim as soon as any incidents happen so that you can have fresh memories.
The experts at Harley-Davidson work with complete integrity. They wish to ensure your motorcycle is being restored the way it was before. You should consider having affordable insurance coverage from H-D insurance.
Harley Davidson Insurance Discounts
As mentioned already, Harley Davidson offers several money-saving discounts. They designed these discounts with motorcycle riders in mind. You need to qualify to receive a discount. The following table will demonstrate the discounts briefly to give you an overall idea.
| Discount Name | Description |
| New Bike | You can save money with the new bike policy of the company |
| H.O.G. Member | You get an extra discount if you are a Harley Owners Group member |
| Motorcycle Endorsement | You need an endorsement on your driver’s license from completing an approved riding class to qualify for this discount |
| Experienced Riders | Have been riding bikes for years? Then you deserve a discount |
| H-D Riding Academy | If you completed your riding course from HD Riding Academy, then you will get extra discounts on your insurance |
| Home Owners | Bundling your residence with bike insurance ensures extra discounts |
| Prompt Payer | Pay all your payment on time and get additional discounts |
| Loyalty | Have you been a user of their insurance for more than a year? You deserve a discount. |
| Multi-cycle | Own more than one bike? Insurance them all and enjoy extra discounts |
| Anti-theft | You need to use theft-deterrent devices for enabling this discount |
| Military and Law | People who serve the army or work in law enforcement are entitled to these extra discounts. |
FAQs
How to get a Harley-davidson® insurance policy?
There are multiple ways to achieve this. The choice is yours. You can purchase directly via their website. The process includes getting a quote, making payments, and reporting claims. You can also get assistance from Harley-Davidson dealership locations.
What states do Harley-Davidson insurance services write in?
Though their service is not available in all states, you can get your motorcycle insurance written in 48 states. The liability coverage of the company is currently unavailable in Alaska, Hawaii, and Washington D.C. Nonetheless; you are covered in these areas if you live in covered areas and go to travel in these states.
How to get a motorcycle safety training discount?
You can qualify for the discount if you have completed voluntarily and passed a motorcycle safety course in the last five years. The company accepts most safety courses, including the Harley-Davidson Riding Academy courses.
Conclusion
Getting insurance is a must for your bike. It ensures financial safety for you and your bike during emergencies. You can enjoy some extra benefits by taking Harley-Davidson motorcycle Insurance. Hopefully, you got a clear idea about the coverages, insurance costs, benefits, and drawbacks of the company to make an informed decision.
