Harley Motorcycle Insurance

Harley Motorcycle Insurance

Harley Motorcycle Insurance is available for all you lucky folks who enjoy the pleasure of owning a HOG. 


Mmmm.  Harley Davidson ownership is still a dream for my hubby and me, but it's a gift to have friends already living the dream who don't mind sharing.  ;)


We've spent some glorious days over the years cruising up and down the coast of Maine, and meandering around the back roads of Indiana.  There's just something about a Harley that puts all other bikes in the shade, isn't there.


One of these days I really am going to surprise my good man with his own Harley.  Just keep that between you and me, okay!  :)

When the time finally comes, I'll be looking into Harley Davidson motorcycle insurance myself, but for now, my research is for your benefit. 


So, let's talk about the kind of insurance available specifically through Harley Davidson.


First of all, although it's referred to as Harley Motorcycle Insurance, the bike insurance offered by Harley Davidson is actually underwritten by Progressive Insurance. 


That's common practice, of course, but I wanted to be sure to point it out to you in case you have a personal beef with Progressive and don't want your insurance ultimately in their hands.


This little fact means that if you ever have to file a claim, you'll be dealing directly with Progressive, not with the Harley Davidson company.

Harley Motorcycle Insurance Options

Harley Motorcycle Insurance

You can get insurance coverage for your Harley Davidson at just about any well known car insurance company. 


If you already have an auto insurance policy, it would be a good idea to check and see how much they would charge you to add on coverage for your Harley. 


It's quite likely that you'll get a better price on your bike insurance with your car insurance company because of the 'multiple policy discount' than if you purchase online motorcycle insurance somewhere else. 


Having said that, there are plenty of places where you can get free online motorcycle insurance quotes.  Here are a few:


But, if you decide to go with the insurance provided by Progressive for the Harley Davidson company, these are the options you'll have to choose from when deciding on the details of your policy...

  • Liability Insurance - in case you hit someone

  • Comprehensive and/or Collision coverage - this coverage will automatically give you $3,000 in coverage on your accessories, but if you've got a really top of line custom bike, you'll want to look into adding on up to $30,000 of extra coverage so you don't end up losing your investment

  • Uninsured/Underinsured Motorist Cover - in case the other guy at fault doesn't have insurance or inadequate insurance

  • Medical Payments - usually covering various medical bills for you and your passengers

  • Total Loss Coverage - this is an option available in some states that will reimburse you for the cost of a brand new bike (Manufactures Suggested Retail Price)

  • Roadside Assistance - always handy!  You'll wish you had it if you break down and don't. ;)


Although these types of motorcycle insurance coverage are available through Harley David motorcycle insurance, they are pretty much standard across the board.  Do check the details of your policy to be sure you know and understand what you are getting. 


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