Riding a motorcycle, in particular a Harley, is awesome. However, if you're new to motorcycles, the prospect of purchasing one and securing insurance might feel like you don't know where to begin. Getting motorcycle insurance isn't too different from obtaining auto or home insurance, but there are also distinct differences that are going to require your attention when you're in the process of getting coverage.

We'll cover the basics of motorcycle insurance for you, and also explain how to choose the right insurance for your bike. Also, we'll answer some commonly asked questions about the subject, too.

What is Harley-Davidson insurance?

To put it in plain terms, it protects your Harley in the event of theft or accident damage, as well as protecting you financially in situations where there’s a loss for which you’re liable. Most states (Missouri and Kansas most definitely) require all motorcycles to be insured by law. If you don’t have coverage, you could get a fine or even lose your license.

Who needs Harley-Davidson insurance?

You, if you own a Harley and ride it. Even if it's just every once in awhile, you don't want to be caught without it.

What are the Harley coverage options?

Like with automobile insurance, the coverage you get depends on how averse to risk you are, your past driving record, and how much you're ready to spend. 

• Liability - The most basic facet of any insurance. This insurance covers injury you may cause to the body or property of another up to policy limits, but it doesn't specifically protect you or your motorcycle. 
• Collision - The insurance you want to protect your bike if you collide with something else, or have an incident avoiding an animal.
• Comprehensive - For the loss of your bike for causes other than with collision agove. This coverage varies by state and policy language and may include fire, theft, or vandalism.
• Uninsured/underinsured motorist (UM/UIM) - This protects you if your accident is with someone who doesn't have insurance or doesn't have enough insurance protection when that person is at-fault.
• Personal Injury - Covers your medical bills regardless of fault, and may cover your passenger's and any injured pedestrian’s medical bills.
• Add Ons - Such as Trip Interruption options, coverage for specific parts/equipment, or roadside assistance. Speak to an insurance representative for details.

What's The Bottom Line?