Harley Davidson Insurance Review & Complaints: Car Insurance (2023)
Now matter what you ride, if you need to buy motorcycle insurance, Harley Davidson Insurance could be a great choice for you. Policies cost, on average, $26/month, and can keep you safe wherever you decide to take your bike for a spin. A well-known motorcycle insurance company, Harley Davidson Insurance is underwritten by the Sentry Insurance Group, an A.M. Best A+ rated company, so you can be assured that even substantial claims could be paid out to you.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Sep 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Harley Davidson Insurance provides standard plus optional coverages for motorcyclists
- You can get coverage for many different types of motorcycles with Harley Davidson Insurance
- You can get many discounts with Harley Davidson Insurance
As a motorcyclist, you know that there’s nothing quite as important as being knowledgeable about motorcycle safety, but your insurance education is just as important. Knowing where to get the best insurance for your needs is key if you want to secure maximum protection whenever you go out for a ride in the city or the countryside.
Thankfully, if you’re looking to buy motorcycle insurance, Harley Davidson Insurance can help you get the coverage you need to not only be street legal but protected against all manner of damages as well.
If you’re worried that purchasing motorcycle insurance will be too expensive, think again. Driving without insurance can result in consequences that are far more costly than paying for an insurance policy. Of course, if you are on a budget and need affordable motorcycle insurance, Harley Davidson Insurance can provide that for you as well.
Read on to learn more about Harley Davidson Insurance and how you can get great coverage with this company.
You can see how Harley Davidson Insurance stands up to the competition when you enter your ZIP code and get free motorcycle insurance quotes sent directly to you.
Does Harley Davidson Insurance provide good coverage options?
If you want the best motorcycle insurance, then doing business with a stalwart motorcycle insurance company like Harley Davidson Insurance may be a great choice for you. However, if you live in Hawaii or Alaska, you will not be able to get motorcycle insurance quotes from Harley Davidson Insurance as the company doesn’t do business there currently.
Now, a Harley Davidson motorcycle policy can provide you access to coverage that every motorcyclist should have. These coverage types include:
- Bodily injury liability
- Property damage liability
- Comprehensive coverage
- Collision coverage
- Underinsured and uninsured motorist bodily injury and property damage
- Personal injury protection
- Medical expenses
You should also note that these standard coverages aren’t the only form of protection you can purchase from Harley Davidson. If you like to mitigate as much risk as possible whenever you go out for a ride, you can choose to add vacation rental coverage, bike replacement coverage, and Harley Davidson roadside assistance to your policy.
With vacation rental coverage, if you are in a new area and want to see the sights but don’t have your motorcycle, you can use your coverage to protect any motorcycle you rent. For example, if you were to fly to Colorado from Maine, you wouldn’t have to miss out on taking a motorcycle tour. You could always rent a motorcycle in Colorado, and your policy would give you the same amount of coverage as it would back home in Maine.
Harley Davidson’s vacation rental coverage is actually quite extensive. You see, even if you aren’t out of state but still more than 100 miles away from home, you could use this coverage to cover expenses like food and lodging if you were to be in an accident.
Now, if you were to buy bike replacement coverage, you may be able to have more peace of mind while out on the road because, with this coverage, you can be reimbursed for the original total cost of your motorcycle if it happens to be totaled in an accident. This means that no matter if you bought a bike yesterday or five years ago, this coverage could still make you financially whole after experiencing a total loss.
It’s also in every motorcyclist’s best interest to have some sort of roadside assistance available to them, and with Harley Davidson Insurance’s roadside assistance coverage, you can get access to fluid replenishment, a battery jump-start, or even tire replacement should you ever need some help while cruising toward your next adventure.
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What kind of motorcycle does a Harley Davidson policy cover?
When it comes to providing great coverage, Harley Davidson doesn’t discriminate. You can purchase a policy from this reputable company no matter what type of motorcycle you own. You can take a look at some of the many different types of motorcycles that Harley-Davidson extends coverage to here:
| Covered Motorcycle Types and Examples of Each |
|---|
| Standard - Triumph Street Twin, BMW R nineT |
| Cruiser - Yamaha V-Max power cruiser, Moto Guzzi California Jackal |
| Touring - Indian Challenger, Harley-Davidson Road King |
| Sportser - Harley-Davidson Sportser S |
| Street rod - Harley-Davidson Street Rod 750 |
| Softail - Harley-Davidson Softail Standard, Harley-Davidson Softail Slim |
| Sport Touring - Kawasaki Concours 14/1400GTR, Honda ST1300 |
| Trike - Harley-Davidson Tri Glide Ultra, Can-Am Spyder |
| V-Rod - VRXSE V-Rod Destroyer, VRSCR Street Rod |
| Dirt bike - Yamaha TTR230, Honda CRF250F |
| Dual purpose - Suzuki DR-Z400SM, Kawasaki KLR 650 |
| Scooter - GTS Super 300, Vespa Sprint 50 |
| Moped - Jonway MC_50CRP Moped, 250cc Trike Chopper Road Warrior Moped |
| Autocycles |
As illustrated by this data table, riders who like zipping through a city to get a cappuccino on their moped to those who love kicking up some dirt offroad can get a policy with Harley Davidson Insurance. Now that you know what Harley Davidson Insurance covers and what kinds of coverage it offers, you should know what to do if you ever experience vehicular trouble.
Does Insurance for a Harley Davidson cost a lot of money?
The average motorcycle insurance rates for Harley Davidson Insurance tend to run about $26 per month. Now, bear in mind that every insurance company has its own underwriting process that it adheres to, so it could be highly beneficial for you to get at least three free insurance quotes online and compare each one before you put any money down.
If you do decide to work with this company, you’ll find that customer convenience is taken seriously. You can make your Harley Davidson insurance payment online through the company website or via the mobile app.
It’s also important to note that purchasing a policy from Harley Davidson Insurance opens up many money-saving opportunities. You could potentially take advantage of quite a lot of discounts like:
- Military/law enforcement
- Anti-theft
- Bundled and multi-cycle protection
- Loyalty
- Prompt payer
- Claim free
- H-D riding program
- Homeowner
- Experienced rider
- Motorcycle endorsement
- Harley Owners Group member
- New bike
Even with this impressive list of discounts, if you’re still not sure if Harley Davidson Insurance is the right insurance company for you, you can always read Harley Davidson Insurance reviews online to learn more.
Harley Davidson Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Filing a claim with Harley Davidson Insurance is a straightforward process, ensuring that policyholders can quickly and efficiently report accidents or damages.
Whether you prefer traditional methods or digital convenience, Harley Davidson Insurance offers multiple avenues for claim submission. You can easily file a claim over the phone, allowing for a personal touch and immediate assistance.
Additionally, the company provides a user-friendly mobile app that empowers policyholders to report claims digitally, offering the convenience of on-the-go accessibility. With these options, Harley Davidson Insurance caters to various preferences, ensuring an easy and hassle-free claims process for all.
Average Claim Processing Time
One crucial aspect of any insurance company is the speed at which they process claims. Harley Davidson Insurance understands the urgency of claim settlements and strives to provide a swift resolution to its policyholders.
While the exact processing time may vary depending on the complexity of the claim, the company is committed to ensuring that claims are handled promptly and efficiently. This dedication to quick claim processing helps alleviate the financial burden on policyholders during challenging times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance, especially when it comes to claim resolutions and payouts. Harley Davidson Insurance takes customer satisfaction seriously and continually seeks to improve its claims handling process.
Many policyholders have shared positive experiences regarding the company’s responsiveness and fairness in settling claims. By listening to customer feedback and striving for excellence, Harley Davidson Insurance aims to provide peace of mind to its policyholders in the event of an accident or loss.
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Digital and Technological Features of Harley Davidson Insurance
Mobile App Features and Functionality
Harley Davidson Insurance offers a comprehensive mobile app that enhances the overall insurance experience for its policyholders. The app is equipped with a range of features and functionalities designed to simplify insurance management.
Policyholders can conveniently access their policy information, make payments, and even file claims directly from the app. This user-friendly interface ensures that policyholders have quick and easy access to essential insurance services, all at their fingertips.
Online Account Management Capabilities
In addition to the mobile app, Harley Davidson Insurance provides robust online account management capabilities through its website. Policyholders can log in to their accounts to review policy details, make updates, and access important documents.
The online portal streamlines the insurance management process, allowing policyholders to stay informed and in control of their coverage.
Digital Tools and Resources
Harley Davidson Insurance goes beyond basic coverage by offering a range of digital tools and resources to assist policyholders in making informed decisions. These resources include educational materials, coverage calculators, and interactive tools to help policyholders understand their insurance needs better.
By leveraging digital technology, Harley Davidson Insurance empowers its policyholders to navigate the complexities of insurance with confidence and ease. In conclusion, Harley Davidson Insurance combines a seamless claims process with innovative digital and technological features to deliver a comprehensive and customer-centric insurance experience.
Whether policyholders need to file a claim or manage their policies online, the company’s commitment to efficiency and convenience ensures that they are well-supported throughout their insurance journey.
Harley Davidson Insurance: The Bottom Line
If you live in any state besides Alaska or Hawaii, you can purchase Harley Davidson Insurance to protect your moped, cruiser, or sportser, among other types of motorcycles. This company has been in business for years and provides excellent coverage that can keep you safe when you’re just driving down the road or are miles away from home.
Hopefully, you’ll never need to use your coverage, but if you do need to file a claim, you can call customer service directly or file online.
You don’t have to wait to start comparing Harley Davidson Insurance quotes. Enter your ZIP code to get free quotes from insurance companies near you today.
Frequently Asked Questions
What types of coverage does Harley Davidson Insurance offer for car insurance?
Harley Davidson Insurance offers standard coverage options for car insurance, including liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and medical payments coverage. They may also offer additional coverage options such as roadside assistance or rental car reimbursement.
How can I obtain car insurance from Harley Davidson Insurance?
To obtain car insurance from Harley Davidson Insurance, you can visit their website or contact their customer service directly. They will guide you through the process of getting a quote, selecting the coverage options that suit your needs, and completing the application.
What is Harley Davidson Insurance and what does it offer?
Harley Davidson Insurance is an insurance provider that offers various insurance products, including car insurance. They specialize in providing coverage for Harley Davidson motorcycles and offer policies specifically tailored to meet the needs of Harley Davidson owners.
Are there any complaints or reviews about Harley Davidson Insurance’s car insurance?
It is advisable to research and read customer reviews and complaints about Harley Davidson Insurance’s car insurance to understand the experiences of other policyholders. Various online platforms, such as consumer review websites and forums, can provide insights into customer satisfaction, claims handling, and overall service quality.
Are there any specific requirements or restrictions for getting car insurance from Harley Davidson Insurance?
While specific requirements and restrictions may vary, generally, to obtain car insurance from Harley Davidson Insurance, you will need to provide information about your vehicle, driving history, and personal details. They may also consider factors such as your location, age, and credit history when determining eligibility and pricing.
How are the rates and pricing for car insurance from Harley Davidson Insurance?
The rates and pricing for car insurance from Harley Davidson Insurance can vary depending on several factors, including your driving record, the type of vehicle you own, the coverage options you select, and your location. It’s recommended to obtain a personalized quote from them to get an accurate estimate of the cost.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.