Even for Harley motorcycles, Harley Davidson Insurance, popularly known as HD Insurance, does not provide the cheapest motorcycle insurance estimates. But it does so in a way that no other motorcycle insurance provider can—combining goods and services. Additionally, it provides a big selection of add-on coverages and a wide range of savings. For the majority of motorcycle riders, Harley Davidson Insurance is a fantastic option.
Harley Davidson insurance: Practical benefits at affordable prices
Perhaps the most well-known manufacturer of motorcycles is Harley Davidson. Even yet, it’s possible that a lot of individuals aren’t aware that Harley Davidson also provides motorcycle insurance plans. The prices for Harley Davidson rates aren’t outrageous, but they are a little more expensive than those for motorcycle insurance from Progressive and Geico. But Harley Davidson really shines when it comes to providing a one-stop shop for all things motorcycle-related.
Let’s say you want to finance, insure, and get an extended service plan on a motorcycle. You would typically need to get in touch with a lender, an insurance provider, and a dealership to do this. Harley Davidson, on the other hand, provides motorcycle riders with all three of these services and goods under one brand name, a level of convenience unequaled by its rivals.
Harley-Davidson offers excellent coverage options and discounts on its HD Insurance plans, even if you don’t require the aforementioned supplementary services and goods, such as a Harley-Davidson loan. You may obtain motorcycle insurance from Harley Davidson regardless of the type of motorcycle you ride because HD Insurance is not simply available for Harley Davidson vehicles.
Cons of Harley Davidson
The major disadvantage of Harley Davidson is that it costs slightly more than other motorcycle insurance providers. Since motorcycle insurance is frequently less expensive than vehicle or homes insurance, the cost savings aren’t as significant, thus we don’t view this as a major disadvantage. In fact, based on our survey, the price difference between an HD motorcycle insurance policy and the least expensive one is $89 per year.
Is Progressive insurance the same as Harley Davidson insurance?
Progressive insurance is no longer offered for Harley Davidson motorcycles, but it once was. Original underwriters of Harley Davidson’s insurance plans included Dairyland and Foremost Insurance, two of our top picks for motorcycle insurance companies. Then, for motorcycle insurance, Harley Davidson worked only with Progressive. Sentry Insurance Group is the sole underwriter of HD motorcycle insurance today. This indicates that Sentry Insurance Group, not Harley Davidson, will be liable for payment if you make a claim.
How much does insurance for Harley Davidson cost?
Even though Harley Davidson’s quotes aren’t the lowest available, they are comparable to those of the majority of its rivals. According to our sample, a Harley Davidson premium is $89 more expensive than Progressive’s cheapest motorcycle insurance rate. There are some discounts available, but they are not substantial.
The organization offers a fantastic online quotation system, making it quite easy to obtain Harley Davidson Insurance prices. Customers can choose to add additional coverages and view how each affects the price of their Harley quotes as they see appropriate. Before deciding to purchase coverage, we advise comparing your Harley Davidson Insurance quote to those provided by rival companies and the typical price of motorbike insurance in your state.
A Harley Davidson policy covers what?
With the exception of Alaska and Hawaii, Harley Davidson currently provides insurance coverage in every state. However, if you have an HD insurance coverage in a state that is protected, such as Tennessee, you will be covered when visiting either Alaska or Hawaii. HD Insurance offers policies for the majority of motorbike types, including the following, in addition to its extensive state coverage.
- Street rod
- S series
- Sport touring
- Sport bike
- Dirt bike
- Dual purpose
Policyholders have the option of enhancing their HD Insurance plans with additional coverages, many of which are beneficial to certain motorcycle riders. For instance, the optional HD insurance equipment replacement cost coverage would be advantageous for somebody who enjoys personalizing their motorcycle.
Let’s say you spent $5,000 on a set of bespoke chrome rims for your motorcycle, but now they only cost $2,000. Your insurance provider will typically pay you $2,000 less your deductible if your rims are irreparably destroyed in a covered accident. Contrastingly, HD Insurance’s optional equipment replacement cost coverage would pay you $5,000 in this case to replace the wheels with new chrome. The following are some additional noteworthy optional coverage choices.
Rental coverage offers any motorcycle you rent the same protection as is provided for any motorcycle listed on your policy. This add-on is excellent for riders who enjoy road trips because it may also cover qualified expenses, such as meals and hotel, if an accident occurs more than 100 miles from home.
Replacement Cost for Bikes: This add-on is comparable to optional coverage for replacement costs of equipment. The only difference is that instead of just particular parts, if your motorcycle is totaled, this coverage still applies. This policy would ensure that you receive reimbursement for $13,000 rather than $4,000 if, for example, you paid $13,000 for a Harley Davidson motorcycle but its depreciated worth was $4,000 at the time of your accident.
This coverage acts similarly to an auto roadside assistance add-on. Harley Davidson Roadside Assistance The roadside assistance program from Harley Davidson Insurance includes tire replacement, battery jump starts, fluid replenishment, and locksmith services.
In addition to the aforementioned add-on options, HD Insurance also offers the following standard coverage choices.
- Bodily injury liability
- Property damage liability
- Comprehensive coverage
- Collision coverage
- Underinsured and uninsured motorist bodily injury
- Underinsured and uninsured motorist property damage
- Personal injury protection
- Medical expenses
Does Harley Davidson provide special rates on its insurance?
A good selection of discounts are available to policyholders of Harley Davidson Insurance. The beautiful thing about HD Insurance’s discounts is that many of them are simple to be eligible for. You can save money on your Harley estimate, for instance, if you just bought a bike or are a homeowner. A detailed list of the discounts provided by Harley Davidson Insurance is shown below.
How do you get it?
|New bike||Receive a new vehicle discount when you insure a new motorcycle.|
|H.O.G. member||Get a special discount if you’re a member of the Harley Owners Group (H.O.G.).|
|Motorcycle endorsement||You may qualify for a discount if you have a motorcycle endorsement on your license for taking part in an approved riding class.|
|Experienced rider||Receive a discount based on how long you’ve been riding motorcycles. The more experienced you are, the greater your discount.|
|H-D Riding Academy||Get a discount for completing the H-D Riding Academy New Rider Course.|
|Homeownership||If you own a home, you’re eligible for a discount on your Harley quote, regardless of what company it’s insured with.|
|Prompt payer||Receive a discount at policy renewal if you made all your payments on time.|
|Claim-free renewal||At policy renewal, receive a discount if you haven’t been in an accident.|
|Bundled protection||Get a discount if you have other Harley-Davidson Insurance products, like planned maintenance.|
|Loyalty||Save money if you’re adding a second (newer) bike to your policy or if you’ve been with HD Insurance for more than one year.|
|Multicycle||Insure more than one motorcycle with Harley Davidson.|
|Anti-theft||Receive a discount if your motorcycle is equipped with an anti-theft device like an alarm.|
An auto and motorbike insurance discount is conspicuously absent from the aforementioned list. As of right now, Harley Davidson does not provide auto insurance, so this discount is not offered. Other motorcycle insurance providers, such as Progressive and Geico, provide this discount frequently.
Harley’s ratings and reviews of insurance
The quality of your motorbike company depends on how well it can handle accident-related insurance claims. The Sentry Insurance Group underwrites HD Insurance coverage, as was already mentioned. As a result, while looking for insurance, you should take the Sentry Insurance Group’s ratings into account rather than Harley Davidson’s. Independent insurance rating company A.M. Best gave the Sentry Insurance Group a rating of A+ (Superior), which can be interpreted as a seal of approval for the organization’s financial stability and capacity to honor client claims. As a point of comparison, Progressive, one of the biggest insurance providers, also has an A+ rating. A.M. Best Score.