Harley Davidson Insurance: Comprehensive Coverage Tailored for Motorcycle Enthusiasts

When it comes to safeguarding your prized motorcycle, Harley-Davidson Insurance stands out as a trusted name offering tailored coverage for Harley riders and other motorcycle enthusiasts. With over two decades of experience, it provides coverage not only for Harley bikes but also for various makes and models, ensuring peace of mind for riders who rely on their motorcycles as their primary or sole mode of transportation.

Overview of Harley-Davidson Insurance:

Harley-Davidson Insurance, an affiliate of Harley-Davidson, Inc., operates in 48 states across the United States, excluding Alaska and Hawaii. It is underwritten by Sentry Insurance Group, a reputable entity handling claims and providing a solid foundation for financial strength and customer satisfaction.

Obtaining a Quote:

Getting a quote from them is a straightforward process. Prospective policyholders can obtain quotes directly online or visit Harley-Davidson dealership locations for assistance. The ease of obtaining quotes reflects Harley-Davidson’s commitment to providing accessible and efficient services to motorcycle riders.

Discounts Offered by Harley-Davidson Insurance:

It goes the extra mile to make coverage more affordable through a range of discounts. These discounts include:

  1. New Bike Discount: Riders with brand-new motorcycles can benefit from this discount.
  2. H.O.G. Member Discount: Members of the Harley Owners Group (H.O.G.) enjoy special discounts.
  3. Motorcycle Endorsement Discount: Riders with a motorcycle endorsement on their driver’s license, obtained through an approved riding class, qualify for this discount.
  4. Experienced Rider Discount: Long-time riders can enjoy discounts based on the number of years they’ve been licensed.
  5. H-D Riding Academy Discount: New riders completing the H-D Riding Academy New Rider Course not only enhance their skills but also receive a discount.
  6. Homeownership Discount: Homeowners are eligible for discounts, promoting a comprehensive approach to customer benefits.
  7. Prompt Payer Discount: Policyholders who make timely payments receive discounts at policy renewal.
  8. Claim-Free Renewal Discount: Policyholders without at-fault accidents throughout the policy period qualify for discounts during renewal.
  9. Bundled Protection Discount: Purchasing additional products leads to multi-policy or multi-vehicle discounts.
  10. Loyalty Discount: Rewarding customers who have been with Harley-Davidson Insurance for more than a year and add a newer bike to their policy.
  11. Multi-Cycle Discount: Owners of multiple motorcycles insured with Harley-Davidson enjoy discounts.
  12. Anti-Theft Discount: Installing anti-theft devices can lead to discounts on insurance premiums.
  13. Military and Law Enforcement Discount: Active or retired military and law enforcement members receive special discounts.

While it offers an array of discounts, it’s important to note the absence of an auto and motorcycle bundle discount.

Coverage Options by Harley-Davidson Insurance:

In addition to standard motorcycle insurance coverages such as comprehensive, collision, liability, uninsured/underinsured motorist protection, and personal injury protection, it provides optional coverages to enhance the protection of your bike:

  1. Roadside Assistance: This coverage assists with mechanical or electrical breakdowns, providing 24/7 support for towing, fluid replenishment, battery jump-starts, locksmith services, and tire replacement.
  2. Optional Equipment: Unique to Harley-Davidson Insurance, this coverage protects customized equipment that deviates from factory standard equipment according to the bike’s VIN number.
  3. Vacation Rental: Extending your insurance coverage to rented bikes ensures consistent protection during travels.
  4. Bike Replacement Cost: This coverage goes beyond the bike’s depreciated value, ensuring reimbursement for the full cost of replacement in the event of a total loss.
  5. Optional Equipment Replacement Cost: Covers the cost of replacing customized equipment in the aftermath of a total loss.
  6. Rental Reimbursement: A valuable option for those reliant on their bikes, this coverage assists with transportation costs while the motorcycle undergoes repairs after an accident.

Harley-Davidson Insurance: Motorcycle Types Covered:

Harley-Davidson Insurance caters to a diverse range of motorcycles, including but not limited to:

  • Standard
  • Sportster
  • Street Rod
  • Dyna
  • Cruiser
  • Sport touring
  • Sport bike
  • Touring
  • Trike
  • Softail
  • Dual purpose
  • S Series
  • Scooter/moped
  • CVO
  • Autocycle
  • V-Rod

Additional Offerings by Harley-Davidson Insurance:

They extends there services beyond motorcycle coverage, providing:

  1. H-D Protection Products: These include extended service plans, planned maintenance, appearance protection, and more. Bundling with these products can make policyholders eligible for insurance discounts.
  2. H-D Visa Rewards Card: This credit card rewards users with points for every dollar spent, redeemable for gear and a chance to win a new bike.
  3. Bike Loans: Specially designed loans for Harley owners facilitate the purchase of motorcycles.

State Coverage:

It operates in 48 states, excluding Alaska and Hawaii. Prospective policyholders can check the state coverage on the official website to compare it with other top companies in their region.

Ratings and Reviews:

The underwriting companies, including Sentry Select Insurance, Viking Insurance, and Middlesex Insurance, have received an AM Best rating of A+ (Superior), emphasizing their financial strength and ability to meet customer claims. While Sentry Select Insurance had no complaints in 2022, Viking Insurance and Middlesex Insurance received a few more than average for companies of their size.

Harley-Davidson Insurance vs. Progressive:

Harley-Davidson Insurance and Progressive were once connected, with Progressive exclusively underwriting Harley-Davidson’s insurance policies. However, the current underwriters are Sentry Select Insurance, Viking Insurance, and Middlesex Insurance. This distinction is crucial for policyholders to understand where claims responsibility lies.

Frequently Asked Questions:

  1. Is Harley-Davidson Insurance good?
    • Yes, Harley-Davidson Insurance is a reputable option for motorcycle insurance, offering competitive rates and a diverse range of coverage options.
  2. How much is insurance from Harley-Davidson?
    • The average rate for Harley-Davidson motorcycle insurance is $24 per month, making it 29% cheaper than the national average.
  3. Who is Harley-Davidson insurance through?
    • Harley-Davidson motorcycle insurance is underwritten by three companies: Sentry Select Insurance, Viking Insurance, and Middlesex Insurance.

The information provided in this comprehensive guide is derived from various sources, including customer testimonials, official Harley-Davidson Insurance documentation, and industry ratings. ValuePenguin collected motorcycle insurance quotes to offer insights into Harley-Davidson’s competitive rates and coverage options.

In conclusion

It emerges as a reliable choice for motorcycle enthusiasts, providing not only affordable coverage but also a variety of discounts and optional coverages to suit the diverse needs of riders. With a seamless quote process, accessible services, and a strong financial backing from underwriting companies with an A+ rating, it demonstrates a commitment to customer satisfaction and financial stability.

Riders can enjoy the benefits of Harley-Davidson’s loyalty program, protection products, and even specialized bike loans designed for Harley owners. The coverage extends beyond standard motorcycle types to include various models, accommodating the preferences and styles of a wide range of riders.

While the absence of certain discounts like an auto and motorcycle bundle discount may be noted, the availability of discounts such as the new bike, H.O.G. member, and homeownership discounts, among others, compensates for a comprehensive approach to affordability.

The optional coverages, including unique offerings like Optional Equipment coverage, Vacation Rental, and Bike Replacement Cost, set Harley-Davidson Insurance apart in providing tailored protection for customized bikes and rental bikes alike. The roadside assistance feature further adds value, addressing mechanical or electrical breakdowns and providing essential services 24/7.

Customer ratings and reviews, coupled with the AM Best rating for underwriting companies, offer insights into the overall satisfaction and financial strength of it. Prospective policyholders can make informed decisions by considering these factors alongside the competitive rates offered by Harley-Davidson in comparison to the national average.

The distinction between Harley-Davidson Insurance and Progressive is crucial for policyholders to understand, clarifying the underwriting companies responsible for claims. This knowledge ensures transparency and informed decision-making when selecting motorcycle insurance.

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