Affordable Harley Davidson Insurance, commonly known as HD Insurance, comes with excellent optional coverage and various discounts. Even if you don’t ride a Harley, Harley Davidson Insurance is ideal for most motorcycle riders.
With its distinctive looks, potent engines, and thrilling riding experience, Harley Davidson has captured millions of hearts over its 100-year history. Therefore, no Harley owner would want to skip out on purchasing Harley Davidson insurance coverage to give their vehicle the protection it needs.
It offers very reasonable rates for motorcycle insurance. Liability insurance with this provider typically costs around $14 per month, although Harley-Davidson offers some great coverage if you’d prefer a more comprehensive insurance plan.
For instance, you can purchase guest passenger liability or rental reimbursement coverage to protect anyone who rides with you.
Convenient features at reasonable rates:
Even if you don’t own a Harley, you can still get coverage via Harley-Davidson for any motorcycle. With 29% less expensive rates than the national average, H-D insurance is reasonably priced. H-D Insurance policies also come with great coverage options and savings.
One-stop Shop:
For bike owners, Harley-Davidson is a one-stop shop as well.
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.
But unlike most other businesses, Harley-Davidson enables riders to obtain motorcycle financing, insurance, and warranty from the same organization.
Harley Davidson Insurance Drawbacks:
The biggest flaw with Harley-Davidson is that there are fewer options for insurance bundling than with other major corporations. Additionally, Harley-Davidson does not provide some of the more specialized coverage choices, including protection for your trailer.
Harley Davidson Monthly Insurance Rate:
Harley Davidson’s monthly Insurance rates are $24.
Due to the company’s good online quote platform, obtaining Harley Davidson Insurance rates is quite simple. You can increase coverage as necessary and observe the effects on the price of Harley quotes.
Then, before committing to coverage, compare your Harley Davidson Insurance quote with quotes from other companies and the national average for motorcycle insurance.
Does Harley-Davidson offer discounts on its coverage?
Policyholders can take advantage of certain discounts from Harley Davidson Insurance. The reductions offered by H-D Insurance stand out since many of them are simple to meet. For example, you can save money on your Harley estimate if you just bought a bike or are a homeowner.
Discounts for Harley-Davidson
New bike: Your monthly fees will decrease if your motorcycle is more recent.
Member of H.O.G: If you are a member of the Harley Owners Group (H.O.G.), you can receive a special discount.
Motorcycle endorsement: If you’ve completed a recognized riding course and have a motorcycle endorsement on your license, you may be eligible for a discount.
Rider with experience: Get a discount depending on how long you’ve been riding motorcycles. The bigger your discount, the more experience you have.
H-D Riding Academy: Complete the H-D Riding Academy New Rider Course to receive a discount from the school.
Homeownership: Regardless of the insurer your home is insured with, if you own a home, you qualify for a reduction on your Harley quotation.
Prompt payer: If you made all of your payments on time, you’ll get a discount when your insurance is renewed.
Claim-free Renewal: If your insurance is renewed and you haven’t filed a claim, you’ll save money.
Combined insurance: Save money if you also purchase other Harley Davidson Insurance products, such as planned maintenance.
Loyalty: If you’re adding a second (newer) bike to your policy or have been a customer of H-D Insurance for more than a year, you can save money.
Multicycle: With Harley-Davidson, you may insure many motorcycles.
Anti-theft: You’ll get a discount if your motorcycle has an alarm or other anti-theft system.
Military and law enforcement: If you are a current or former member of the military or law enforcement, you will receive a discount on your insurance premiums.
A vehicle and motorcycle package discount is one item that is noticeably missing from the list above. Currently, Harley-Davidson does not provide auto insurance. Other motorcycle insurance providers, such as Progressive and Geico, provide this discount frequently.
What’s covered under a Harley Davidson policy?
You can expand your HD Insurance policy with additional coverage through Harley Davidson Insurance. For instance, the optional equipment replacement cost coverage offered by HD Insurance would be advantageous to somebody who enjoys personalizing their motorcycle.
Let’s say you paid $5,000 for a set of customized chrome rims for your motorcycle, but their current value is only $2,000. Your insurance provider will typically pay you $2,000 less than your deductible if your rims are irreparably destroyed in a covered accident. The optional equipment replacement cost coverage offered by HD Insurance, which would pay you the full $5,000 for new chrome rims, stands in stark contrast to this.
Other noteworthy choices for optional coverage include:
Rental coverage extends your standard motorcycle insurance coverage to any motorcycle you rent while on vacation.
Replacement cost for bicycles: This add-on is comparable to optional coverage for the replacement cost of equipment. The only difference is that instead of just particular parts if your motorcycle is totaled, this coverage still applies. This coverage would ensure that you get reimbursed for $13,000 rather than $4,000 if you purchased a Harley-Davidson motorbike for $13,000 but its depreciated worth was $4,000 at the time of your accident.
Roadside support for Harley-Davidsons: This benefit is comparable to an auto roadside assistance add-on. The roadside assistance program from Harley Davidson Insurance includes tire replacement, battery jumpstarts, fluid replenishment, and locksmith services.
Guest passenger liability protects your passengers from harm if you cause an accident and are at fault.
Rental reimbursement insurance: If your bike needs repairs after an accident, this insurance will assist in covering the cost of a rental or other means of transportation.
Along with the add-on options listed above, H-D Insurance provides standard coverage options.
- 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 payments coverage
Is Harley Davidson Insurance the same thing as Progressive?
Although they are not now affiliated, Progressive Insurance and Harley-Davidson motorcycle insurance once were. Original underwriters of Harley-Davidson’s insurance plans included Dairyland and Foremost Insurance, two of our top picks for motorcycle insurance. Then, for motorcycle insurance, Harley-Davidson worked only with Progressive.
Sentry Select Insurance, Viking Insurance, and Middlesex Insurance currently provide coverage for H-D motorcycles. This implies that if you file a claim, one of those three businesses — not Harley-Davidson — will be accountable for payment.
CONCLUSION:
Insurance Paths gathered a large number of motorcycle insurance quotes from leading rival firms and Harley-Davidson from all around the nation. Rates are based on a 45-year-old single male driving a 2018 Honda CMX500 Rebel with full coverage. This vehicle coverage gives essential coverage for various eventualities on the road. It consists of bodily harm legal responsibility coverage at $50,000 according to the character and $100,000 consistent with the accident, safeguarding in opposition to capacity harm-related expenses. Property damage liability coverage offers $25,000 per coincidence for damage to others’ property.
Uninsured and underinsured motorist coverage mirrors the bodily injury and belongings harm limits, protecting you if the at-fault party lacks sufficient coverage. Clinical payment coverage extends as much as $5,000 in your healthcare charges following a coincidence. Meanwhile, the comprehensive and collision deductible is about $500, supported by restoration or replacement prices in your vehicle. This comprehensive coverage ensures you are financially organized for numerous unexpected situations on the road. Company star ratings are based on factors that include rates, customer service, and coverage options.