Harley Davidson is one of the best motorcycle companies. Despite this, many people may not be aware that Harley Davidson also offers motorcycle insurance policies. Harley Davidson quotes are not terrible, but they are slightly more costly than motorcycle insurance quotes provided by others companies. Although, Harley Davidson excels in offering a one-stop shop for all motorcycle needs.
Even if you don’t need the aforementioned extra services and products, like a Harley Davidson loan, Harley Davidson Insurance offers great coverage options and discounts on its insurance policies. Harley Davidson Insurance is not only limited to just Harley Davidson bikes, meaning you can get motorcycle insurance from Harley Davidson regardless of what kind of motorcycle you ride.
Who knows Harley-Davidson motorcycles and how to protect them better than Harley Davidson Insurance Services? Our agents understand what riders like you need, and are knowledgeable of the ins and outs of motorcycle insurance.
We specialize in coverage that helps protect Harley motorcycle riders like you and meet your unique needs from state-required liability insurance to the leather and safety apparel you wear, to the customization of your Harley motorcycle.
Is Harley Davidson Insurance Progressive?
Harley Davidson insurance is not Progressive insurance, but it used to be progressive. Harley Davidson insurance policies were originally underwritten by some of what we consider to be the best motorcycle insurance companies, such as Dairyland and Foremost Insurance. Then, Harley Davidson partnered exclusively with Progressive for motorcycle insurance.
Today, Harley Davidson insurance is underwritten exclusively by Sentry Insurance Group. This means if you file a claim, Sentry Insurance Group will be responsible for payment, not Harley Davidson Insurance.
Cost For Harley Davidson Insurance?
While Harley Davidson quotes are not the absolute cheapest, Harley Davidson offers rates in the same range as most of its competitors. Based on our sample, a Harley Davidson quote costs $89 more than the cheapest motorcycle insurance quote, offered by Progressive. While there are savings to be had, they are minimal.
Getting Harley Davidson Insurance quotes is pretty simple, as the company has a great online quoting system. Customers can add coverage as they see fit and see how each impacts the cost of their Harley quotes. We recommend comparing your Harley Davidson Insurance quote to those offered by competitors and the average cost of motorcycle insurance in your state before signing up for coverage.
Coverage Under Harley Davidson Insurance Policy
Harley Davidson offers insurance policies in every state except Alaska and Hawaii. That said, if you have a Harley Davidson insurance policy in a covered state, like Tennessee, you will be insured when traveling to either Alaska or Hawaii.
Policyholders have the option of adding extra coverages to their Harley Davidson Insurance policies, many of which can be helpful for specific motorcycle riders. For instance, anyone who enjoys customizing their motorcycle benefits from Harley Davidson insurance’s optional equipment replacement cost coverage.
Say you purchase custom chrome rims for your motorcycle for $5,000, but they have depreciated to $2,000. If your rims are damaged beyond repair in a covered accident, your insurance company would normally reimburse you for $2,000 minus your deductible.
Vacation Rental: Rental coverage extends the same protection that is included for any motorcycle listed on your policy to any motorcycle you rent. If you are involved in an accident more than 100 miles from home, this add-on may cover eligible expenses, including food and lodging, making it great for riders who enjoy road trips.
Bike Replacement Cost: This add-on is similar to optional equipment replacement cost coverage. The only difference is that this coverage applies to your motorcycle if it is totaled rather than specific parts. So, if you purchase a Harley Davidson motorcycle for $13,000 but its depreciated value is $4,000 at the time of your accident, this coverage would ensure that you’re reimbursed for $13,000 as opposed to $4,000.
Harley Davidson Roadside Assistance: This coverage functions similarly to an auto roadside assistance add-on. Harley Davidson Insurance roadside assistance provides fluid replenishment, battery jump-starts, locksmith services, and tire replacement.
Along with the add-on options listed above, Harley Davidson Insurance provides standard coverage options including the following.
- 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
Discount on Harley Davidson on Its Coverage?
Harley Davidson Insurance offers policyholders a respectable list of discounts. What makes Harley Davidson Insurance discounts great is that many people are easy to qualify for.
Drawbacks of Harley Davidson
Harley Davidson’s biggest drawback is that it is priced at a slight premium to other motorcycle insurance companies. However, we don’t consider this to be a huge detriment, since motorcycle insurance is typically more affordable than auto or homeowners insurance therefore, cost savings are not as large. Based on our sample, you could be looking at an $89 difference per year between a Harley Davidson insurance policy and the cheapest option available.
Care for Customer
We are dedicated to your safety and the safety of your passengers. That is why we encourage you to ride safely and respectfully, and within the limits of the law and your abilities.
Always wear an approved helmet, proper eyewear, and protective clothing, and insist your passenger does the same. Never ride under the influence of alcohol or drugs.
And finally, know your Harley, and read and understand your owner’s manual from cover to cover. Together, we can do our part to make the roads safer for all of us.