HARLEY-DAVIDSON INSURANCE

Harley-Davidson insurance. We don't like to think about it, but you can't ride without it. In certain states, you can't buy a new motorcycle without insurance.

Ask your auto and home agent if they carry motorcycle insurance. If they don't offer it, try asking your friend or neighbor with the new Fat Bob what company they use. If you're going to be calling for quotes, you'll need to have some answers ready for the agents or reps.

THE BIKE
Just like car insurance, a brand new Harley-Davidson is
going to cost more to insure. A new Screamin Eagle Ultra
is obviously going to cost more to insure than a used Sportster.

WHERE YOU LIVE
If you live or work in a high crime or high accident area, you could pay more. They may ask if you keep the bike in a garage or other secure area. A bike that is in an unsecured area is obviously a higher risk.

HOW MUCH DO YOU RIDE
If you live in an area where the riding season is shorter, make sure you tell the insurance agent. If you live up north like me, your mileage will be lower and your rate should be less than someone who can ride all year.

Lets look at types of coverage.

FULL COVERAGE
This will cover you and your property in an accident, whether it was your fault, someone elses, or "no-fault". Full coverage extends to your passengers.

3RD PARTY LIABILITY
This covers other people and thier property if the accident is your fault. Your insurance company pays for the damage to the other partys' property instead of you. It doesn't cover damage to your property. Most states require at least liability insurance on your motorcycle.