If you own a Harley Davidson motorcycle, then it’s essential to have insurance coverage that protects both you and your bike.
Harley Davidson insurance policies offer unique benefits and features that are tailored specifically to Harley riders.
In this article, we’ll discuss everything you need to know about Harley Davidson insurance.
What is Harley Davidson Insurance?
Harley Davidson Insurance is a type of motorcycle insurance that provides coverage for Harley Davidson riders.
This insurance is offered by some of the top insurance companies in the country, such as Progressive, GEICO, and Nationwide.
Harley Davidson insurance provides coverage for damage or loss to your motorcycle, liability coverage, and additional protection options that are tailored to Harley riders.
Why Do You Need Harley Davidson Insurance?
Harley Davidson Insurance is essential for every Harley rider for a number of reasons.
First, it’s required by law to have liability insurance in most states.
Additionally, it provides coverage for damages or loss to your bike in the event of an accident or theft.
Without proper coverage, you could be left with a hefty bill to repair or replace your motorcycle.
What Does Harley Davidson Insurance Cover?
Harley Davidson Insurance offers a range of coverage options that are tailored to meet the needs of Harley riders.
Here are some of the most common coverage options offered:
Liability coverage is required in most states and covers damages or injuries you cause to others while riding your motorcycle. This coverage includes bodily injury and property damage.
Collision coverage provides protection for damages to your motorcycle in the event of an accident. This coverage pays for repairs or replacement of your bike, up to the limit of your policy.
Comprehensive coverage provides protection for non-collision-related damages to your motorcycle, such as theft, vandalism, or weather-related incidents.
Uninsured/Underinsured Motorist Coverage
Uninsured/Underinsured Motorist Coverage protects you in the event that you’re in an accident with a driver who doesn’t have enough insurance to cover your damages.
Custom Parts and Equipment Coverage
Custom Parts and Equipment Coverage provides coverage for any custom parts or equipment on your Harley Davidson that may be damaged or lost in an accident or theft.
Roadside Assistance provides services such as towing, fuel delivery, and jump-starts if you experience a breakdown while riding your motorcycle.
How Much Does Harley Davidson Insurance Cost?
The cost of Harley Davidson Insurance varies depending on a number of factors, including your driving record, the type of Harley you ride, and the coverage options you choose. On average, you can expect to pay around $500 to $1000 per year for Harley Davidson insurance.
How to Get Harley Davidson Insurance?
Getting Harley Davidson Insurance is easy.
You can get a quote online from one of the top insurance companies that offer Harley Davidson coverage.
Alternatively, you can contact an independent insurance agent who can provide you with quotes from multiple companies.
Q: Can I get Harley Davidson insurance for a custom-built motorcycle?
A: Yes, Harley Davidson insurance offers coverage for custom-built motorcycles. You can get coverage for the value of the bike, as well as any custom parts or equipment.
Q: What if I lend my Harley to a friend and they get into an accident? Will my insurance cover it?
A: Yes, your insurance should cover any damages or injuries that your friend causes while riding your motorcycle.
However, you should check your policy to ensure that you have the proper coverage in place.