Harley Davidson Insurance Review – Great Coverage, High Price

Harley Davidson Insurance, also known as HD Insurance, does not offer the lowest-priced motorcycle insurance quotes, even for Harley motorcycles. Harley Davidson Insurance, however, combines products and services in a way that no other motorcycle insurance company can. On top of that, it offers a wide variety of discounts and a wide range of optional coverages, making it a good choice for most motorcycle riders.

Affordable Harley Davidson insurance with convenient features

Despite being one of the most well known motorcycle companies in the world, Harley Davidson also offers motorcycle insurance policies. Harley Davidson quotes aren’t outrageously priced, but they are slightly more expensive than motorcycle insurance quotes offered by Geico and Progressive. Harley Davidson excels, however, by offering a one-stop-shop for all your motorcycle needs.

HD Insurance policies offer great coverage options and discounts, even if you don’t need the additional services and products mentioned above, such as a Harley Davidson loan. Additionally, HD Insurance isn’t limited to Harley Davidson bikes, so no matter what kind of motorcycle you ride, you can get motorcycle insurance from HD Insurance.

Drawbacks of Harley Davidson

The biggest drawback of Harley Davidson insurance is the price. Nevertheless, since motorcycle insurance is generally more affordable than auto or homeowners insurance – therefore, the savings aren’t as significant – we don’t consider this to be a big drawback. In fact, based on our sample, you’d be looking at an $89 difference per year between an HD motorcycle insurance policy and the cheapest option available.

What is the difference between Harley Davidson insurance and Progressive insurance?

Harley Davidson may not be in the business of writing motorcycle insurance anymore, but you can still get reliable and affordable protection when you get your policy through HD. The brand has partnered with Sentry Insurance Group to offer exclusive coverage for their motorcycles. If you file a claim, Sentry will be responsible for payment — Harley Davidson will not handle the settlement. This follows on from HD’s previous relationships with some of the top insurers such as Dairyland and Foremost Insurance.

What is the cost of Harley Davidson’s insurance?

While Harley Davidson quotes aren’t the absolute cheapest, Harley Davidson offers rates that are in the same range as most of its competitors. Harley Davidson motorcycle insurance quotes are $89 more expensive than Progressive’s cheapest motorcycle insurance quote. There are some savings to be had, but they are minimal.

Insurance company for motorcycles

An example of an annual motorcycle insurance quote

$224 Progressive

$248 for Geico

Insurance for Harley-Davidson $313

The dairy industry is worth $345

$282 is the average for the sample

Getting Harley Davidson Insurance quotes is relatively easy, as the company has a great online quoting system. Customers can add coverages as they see fit, and they can see how each impacts the cost of their Harley quotes. Before signing up for Harley Davidson Insurance, compare the prices you receive with those of your competitors and the average motorcycle insurance cost in your state.

Is Harley Davidson’s coverage discounted?

Several of HD Insurance’s discounts are easy to qualify for, making them a great choice for policyholders. For example, if you recently purchased a bike or are a homeowner, you can save some money on your Harley quote. Harley Davidson Insurance offers a comprehensive list of discounts below.

Getting a discount

What is the process for getting it?

When you insure a new motorcycle, you will receive a new vehicle discount.

Harley Owners Group (H.O.G.) members receive a special discount.

If you have a motorcycle endorsement on your license, you may qualify for a discount.

Riders with experience receive a discount based on how long they have been riding motorcycles.

Complete the H-D Riding Academy New Rider Course to receive a discount.

Owning a home qualifies you for a discount on your Harley quote, regardless of who insures it.

Make all your payments on time and receive a discount at policy renewal.

Get a discount if you haven’t filed a claim at renewal.

If you have other Harley-Davidson Insurance products, such as planned maintenance, you can receive a discount.

Adding a second (newer) bike to your policy or staying with HD Insurance for more than one year can save you money.

Harley Davidson Multicycle Insurance covers more than one motorcycle.

If your motorcycle is equipped with an anti-theft device, such as an alarm, you will receive a discount.

The list above does not include a discount on auto insurance or motorcycle insurance. Harley Davidson currently does not offer auto insurance, so such a discount is not available. Progressive and Geico are other motorcycle insurance companies that offer this discount.

How does a Harley Davidson policy work?

In all states, except Alaska and Hawaii, Harley-Davidson offers insurance policies. That said, if you have an HD insurance policy in a covered state, like Tennessee, you’ll be covered when traveling to Alaska or Hawaii. In addition to its comprehensive state coverage, HD Insurance offers motorcycle insurance policies for the following types of motorcycles.

• • The standard
  • The cruiser
  • Traveling
  • The sportster
  • Rods for the streets
  • The softail
  • Dynamic
  • Series S
  • Touring for sport
  • Bike for sport
  • A tricycle
  • Director of Communications
  • Using V-Rods
  • Bike for dirt
  • Having a dual purpose
  • The scooter
  • The moped
  • The autocycle

The HD Insurance policy offers a variety of additional coverages that can be beneficial to specific motorcycle riders. For example, anyone who enjoys customizing their motorcycle would benefit from HD insurance’s optional equipment replacement cost coverage.

If you buy custom chrome rims for your motorcycle for $5,000, they have depreciated to $2,000. If your rims are damaged beyond repair in an accident, your insurance company will normally reimburse you for $2,000 minus your deductible if the rims are damaged beyond repair. In contrast, HD Insurance’s optional equipment replacement cost coverage would reimburse you $5,000 in this case for new chrome rims. Other notable options include the following.

Vacation Rental: Rental coverage extends the same protection that is included in your motorcycle policy to any motorcycle you rent. This add-on also covers eligible expenses, including food and lodging, if you are involved in an accident more than 100 miles from home, so it’s great for road trippers.

The only difference between this add-on and optional equipment replacement cost coverage is that it covers your motorcycle if it is totaled rather than specific parts. You would be reimbursed $13,000 if you purchased a Harley Davidson motorcycle for $13,000 but its depreciated value was $4,000 at the time of your accident, rather than $4,000.

It provides fluid replenishment, battery jump-starts, locksmith services, and tire replacement, similar to an auto roadside assistance add-on.

In addition to the add-on options listed above, HD Insurance offers standard coverage options as well.

• Liability for bodily injury
• Liability for property damage
• Coverage that is comprehensive
• Coverage for collisions
• Injuries caused by underinsured and uninsured motorists
• Property damage caused by underinsured and uninsured motorists
• Protection against personal injury
• Costs associated with medical care

How do Harley insurance policies differ?

In terms of Harley insurance, you can choose from three standard levels, depending on the degree of protection you require:

It only covers damage to a third party’s vehicle or property in accidents where you are at fault.

A third-party, fire, and theft policy covers damage to another person’s property as well as damage to your bicycle if it is stolen or damaged by fire.

The highest level of Harley-Davidson motorbike insurance, covering all of the above and any accidental damage to your own bike as well.

Harley Davidson insurance ratings and reviews

The quality of your motorcycle company’s insurance policies can be judged by its ability to pay customer claims in the event of an accident. As earlier mentioned, Harley Davidson’s coverage is underwritten by Sentry Insurance Group. Therefore, you should consider Sentry Insurance Group’s ratings instead of Harley Davidson’s when selecting coverage. A.M. Best, a reliable independent ratings agency, has given them an A+ (Superior) grade, assuring their financial power and capability to pay customer claims. To illustrate this further, Progressive, one of the biggest insurers in the market, holds the same A+ A.M. Best Rating.

You shuld know about Harley Davidson