Harley-Davidson Motorcycle Insurance Review | Money

Before you put your bike on the open road, ensuring it has adequate insurance should be your first priority. This review will explore the ins and outs of Harley-Davidson motorcycle insurance. Learn about complete coverage details, pros and cons and money-saving discounts to determine whether this company suits your bike.

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Best motorcycle insurance for new riders

Harley-Davidson is our pick for the best motorcycle insurance company for new riders. We chose it because it’s a one-stop shop for your motorcycle needs. While insurance is the primary service, it also offers bike loans, extended service plans, planned maintenance, appearance protection and more.

Getting your financing, insurance and protection products in one place makes it easy for new riders to get on the road quickly.

Harley-Davidson motorcycle insurance pros and cons

  • Offers financing and extended service plans
  • Covers an extensive list of motorcycles
  • Optional equipment coverage is available
  • Discounts for military members, law enforcement and experienced riders
  • Only offers motorcycle insurance, so you can’t bundle with other insurance products
  • Coverage is unavailable in AK, HI and Washington D.C.

Pros explained

Has financing and extended service plans

Along with motorcycle insurance, you can secure related products through Harley-Davidson. The company offers bike loans, extended service plans, planned maintenance, appearance protection, and more. Plus, adding another financial service to your insurance policy might score you a discount on your premium.

Covers a variety of motorcycle types

Harley-Davidson provides coverage for a wide range of motorcycles, so no matter what bike you have, there’s a great chance you can get a policy.

Here are just some of the bikes it covers:

  • Cruiser
  • Dirt bike
  • Touring
  • Electric
  • Sport bike
  • Scooter
  • Moped
  • Trike
  • Sportster
  • Street Rod
  • V-Rod

Offers optional equipment replacement cost

If you’re one of the many riders who customize their bikes, you’ll be glad this coverage is available. In case your motorcycle is a total loss requiring optional equipment replacement, this add-on will cover the cost. Without it, you won’t receive reimbursement for the money you put into customizing your bike.

Discounts for military members, law enforcement and experienced riders

Harley-Davidson offers 13 discounts to help you save on your premium. Some of the standouts include its military and law enforcement discounts. Whether you’re active or retired, you’ll save on your policy as the company’s way of saying thank you for your service. Also, the longer you’ve been a rider, the more you’ll save on your policy with the experienced rider discount.

Cons explained

Only has motorcycle insurance so you can’t bundle with other policies

The company doesn’t offer other forms of insurance, so you can’t score a multi-policy discount, and you have to go through multiple companies to get all the coverage you need. This can inconvenience some and keep you from saving as much as you might with other insurers.

However, Harley-Davidson tries to make up for it by offering a discount if you’re a homeowner and if you get

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9 DIY Car Maintenance Tips to Save Money

Under-inflated tires can cause excess heat when driving, which will damage tires.

“Properly inflated tires help you save money at the pump, an average of $200 to $500 a year,” says Milchtein, who suggests keeping a tire pressure gauge – which costs under $15 – in your glove box.

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Also, learn the proper inflation specs for your tires by looking in your owner’s manual or inside your driver’s door, adds Bennett.

“Do not go by what’s listed on the sidewall of the tire,” he cautions.

5. Inspect the tire tread

It’s vital to check the tread levels on your tires, whether they’re all-weather or snow tires, says Klongerbo.

“During the summer, we might not notice our tires starting to wear, but when winter comes, the road’s going to tell you your tires are worn – by putting you into a spin or into another vehicle,” he says.

You can buy a tread depth gauge for about $3, or simply insert a penny upside down into the tire’s groove, says Cornillie.

“If you see the top of Abe Lincoln’s head, that means they’re legally bald,” he explains. “Also, look for any cosmetic damage, bulges or abnormalities on your tires.”

6. Check engine fluids

Every month, while your car is sitting on a flat surface, make sure all your fluids are topped off, advises Bennett.

“Check your engine oil, power steering fluid, brake fluid and windshield washer fluid,” he says. “To check your transmission fluid, your vehicle has to be running and up to operating temperature.”

With some vehicles, you can see the tanks containing the liquids, but most have gauges or dipsticks that pull out so you can check the levels and color. Always look in your owner’s manual for instructions, and look around and under your car to check for fluid leaks, which could signal a problem with the car.

7. Check windshield wiper blades

Driving safely requires good visibility, so check your wipers to see if they are lying flat or standing up, advises Bennett.

“If they’re laying down, that indicates they’re worn,” he says. “Also, lift them up from the windshield, and make sure they’re not torn. Take some windshield washer

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