Harley Davidson motorcycles are considered to the high end motorcycles. It’s like the Harley Davidson bike owners have their own community which separates them from other motorbike owners. These motorcycles are more expensive consequently Harley Davidson motorcycle insurance also costs more compared to other bikes.
People may think that Harley Davidson motorcycle insurance should be cheaper since they are not fast bikes but this is not the case. Harley bikes are considered to be nothing short of collector’s items.
There are various reasons why these motorcycles have higher insurance premium. Firstly, no two Harley bikes are similar, thieves love these bikes. They can steal the bike and then modify it as per their liking consequently making it very difficult to retrieve. Secondly, it is a shared view to see Harley bikes standing outside pubs and bars. As per insurance companies view, there are more chances of drunken driving situations which could rule to accidents. This higher risk leads to higher premiums.
While looking out for an insurance company for your Harley bike, you need to make sure that you approach a company which specializes in insuring such bikes. The standard insurance companies may not be able to value your prestigious bike properly. There are various companies obtainable who specializes in this policy. already Harley Davidson itself provides insurance for its own motorcycles. Not only bikes, you can get the Harley apparels and accessories insured in such policies. You should also look out for discounts on your insurance policy. These discounts could be due to H.O.G membership, safety features in your bike, safe drier discounts or multiple bike owner discounts.
Getting the right insurance policy is very important because you want to enjoy the ride of your special bike instead to worrying about the insurance aspects of it.