Harley Davidson Insurance – Some Tips
There are insurance companies out there that would love for you to insure your Harley Davidson motorcycle with them. However, some insurance providers will try to take you for a ride before you get the chance to go for a ride yourself. That’s why it’s always a good idea to research which company will provide you the best and reasonably priced insurance policy for your Harley Davidson before jumping in and parting with your hard earned cash. There are so many factors to take into account when considering Insurance for your Harley Davidson, and some of these are touched on below – I hope these are helpful.
Harley Davidson Insurance – Young Drivers With Little Experience
There are a lot of factors which will determine how much you’ll have to pay for your Harley Davidson insurance – and some of these are unavoidable. For instance, your marital status, your age and your riding experience will play a big part of the premium your quoted. If you are young and seen as an inexperienced Harley Davidson motorcycle rider (i.e. recently passed your test) then unfortunately you’ll have to pay a lot more than others. This is due to the fact that the average younger and less experienced rider tends to ride faster than those who are experienced. It sounds unfair, but unfortunately you need to build up years of no claims before your Harley Davidson insurance quotes go down in price.
Harley Davidson Insurance – Further Factors That Will Affect Your Quotation
Other determining factors of the insurance you’ll have to pay on your Harley Davidson is the make and model of the motorcycle. An older and slower Harley Davidson with a small engine capacity may cost less to insure than a brand new, fuel injected, Superbike with a larger engine. Again, it comes down to speed and how fast you’ll likely to drive. Next, your Harley Davidson insurance can be raised if you live in an unfavourable neighbourhood. Again, it sounds discriminatory but if your Harley Davidson is more likely to be stolen then your insurance will cost more, as there’s more chance that the Insurance Company will have to pay out. If you have a poor riding or driving record and a bad credit rating, this can also affect your Harley Davidson Insurance. If you’ve been involved in multiple accidents, have points on your license or are bad at paying bills on time – you will be penalised.
Harley Davidson Insurance – Types of Insurance
Nonetheless, you must get insurance for your Harley Davidson and the lowest coverage available would be ‘liabilty coverage’ in the US and ‘3rd Party’ in the UK. These insurance types are for minimal coverage and allow you to ride your Harley Davidson legally, but if you smash it up and it’s your fault you won’t get anything back. You are however covered if you injure or damage someone else’s property and protected against any lawsuits. Comprehensive insurance is the most sensible for your Harley Davidson, if money permits. This will cover you and your Harley Davidson, should you have an accident and you will also be insured against others – so more protection. It also covers theft, vandalism and damages to your Harley Davidson as a result of accidents or bad weather. Certain Insurance companies will offer lower excess than others and better benefits such as breakdown cover etc, but you’ll need to speak to the Insurance Company who will be providing the policy, directly.
Once you have chosen which type of insurance coverage you want (and can afford) you can start calling or contacting the various Insurance companies that will offer Harley Davidson insurance. Its always good to get multiple quotes, so you can play the Insurance Companies at their own game. Some will ask if you already have a quote/estimated cost in mind and it is always good to have a healthy number of quotations to ensure youre not being ripped off. It may take time, but it may save you hundreds of dollars/pounds. Whats important to remember is that you dont necessarily want to go for the cheapest insurance on your Harley Davidson. You want to balance the less expensive with the best policy. A good motorcycle policy will provide you with coverage for bodily injury, property damage liability, medical payment, custom parts and equipment, collision and comprehensive, uninsured and underinsured motorists and roadside assistance. Passenger liability coverage is also recommended, as this will cover anyone you choose to transport around. Get these benefits at the lowest price possible and enjoy riding your Harley Davidson!
There are insurance comparison sites that you can now go to who claim to a whole list of insurance companies on your behalf if you enter your details once. Personally, Id rather go on the recommendation of friends and family, or go directly to insurance companies cutting out any intermediate agents (that take a commission and therefore can raise your Harley Davidson insurance even more). This can not only save you money – it also stops any chances of 50 odd insurance companies getting your personal details and bombarding you with worthless post throughout the year.
Harley Davidson Insurance – A Useful Guide
Thousands of people search to find out about these iconic bikes and their accessories. Even the logo, or emblem is iconic. We hope that you have found this article on Harley Davidson Insurance a useful guide to Harley Davidson products and merchandise. You will find that this website is a great resource, including this article on Harley Davidson Insurance, whether you are looking to buy, sell or even rent a Harley Davidson motor cycle or purchase some products and accessories. Both men and women love this brand and the associated accessories. Common misspellings and unusual references include Herley, Horley, Hurley, Davidsan, Davidsons, Harleydavidson, Harly, Davison and of course Harleys. Harleys are simply the best motor cycles whatever they are called!