Harley Street Glide Insurance

The Harley-Davidson Street Glide sets the standard for stripped down bagger-style motorcycles. These powerful bikes are quite popular and expensive. The combination of power and expense makes it very important that you have the right types and amounts of insurance coverage in place. Harley Street Glide insurance is easy enough to find; but, if you do not know what types of coverages to carry, you could be twisting your wrist on a worthless policy. Let’s have a look at a history of the Street Glide, the types of insurance coverages you may need, and ways to keep your premiums down.

Brief History of the Street Glide

Introduced for the 2006 model year, the Street Glide is a stripped down version of the Electra Glide. By stripped down, Harley-Davidson means that the Street Glide has a chopped windscreen, zero front fender trim, a lower rear-end with an adjustable air suspension, and the Tour Pack is not available. Mechanically, the Street Glide is identical to the Electra Glide.

When the Street Glide was introduced, it was powered by a 1,450 cc engine. That was upgraded to a 1,550 cc powerplant in 2010. The current models have the Milwaukee Eight 107 engine installed. The 107 has a bore of 3.937 inches, a stroke of 4.375 inches, and a compression ratio of 10.0:1. It is capable of 111.4 ft-lb of torque at 3,250 rpm.

We priced a 2017 Harley-Davidson Street Glide using the pricing tool on HD’s website. Choosing the standard Vivid Black paint, the security option, ABS, and including the freight fee, a Street Glide will set you back just over $22,600.

Insuring a Street Glide:  Recommended Coverage

No matter how safely you ride, there is always the risk of an accident. If not an accident, then there is fire, theft, and bad weather. With a price tag over $22,000, you do not want to risk being underinsured. To be sure that your bike is fully covered, you may want consider the following coverages:

Collision: protects your bike after an accident no matter the circumstances. It may not include an uninsured/under-insured clause, though. If it doesn’t, you should consider adding those coverages.

Uninsured/Under-insured motorist: the number of uninsured motorists varies from state to state, but the national average is approximately fifteen percent according to federal statistics. With that many uninsured motorists on the roads, you can see why you should carry this protection. The under-insured policy covers damages that exceed the policy caps of another motorist.

Comprehensive: this policy protects your ride if it is damaged by fire, wind, water, vandalism, or if it is stolen.

Bodily injury: this policy takes care of some costs if you are found at-fault after an accident. It also protects your passenger.

Medical payment: this policy is designed to cover prescriptions, dental care, co-payments and deductibles from other healthcare coverage, and funeral expenses.

Harley-Davidson Street Glide Insurance Rates

A number of factors affect your Harley Street Glide insurance premiums. There are a few that are out of your hands, like your age, the state you live in, and the cost of replacement parts. Luckily, there are a few that you can control. Since Harley Street insurance can cost you up to $60 a month, let’s have a look at a few things you can do to your keep premiums down.

Take a safety course: graduating from a Motorcycle Safety Foundation course will enhance your riding skills and lowers your premiums. If you do not know of a course near you, visit the MSF website (www.msf-usa.org) to find one nearby.

Keep it clean: your driving record, that is. Tickets for DUI, reckless operation, and speeding will cause your premiums to skyrocket. Since these citations stay on your record for three years at least, your premiums will stay high for just as long.

Multi-vehicle discount: just about every insurer offers a multi-vehicle discount. Insuring all of your vehicles with the same company can save you as much as 25 percent.

Street Glide Insurance Quote

One of the best ways to keep your premiums as low as possible is to shop around. That is why we have created an easy to use tool so that you can get quotes from multiple companies that offer Harley Street Glide insurance coverage. All you have to do is enter your rider and motorcycle information and you will receive quotes from reliable companies like Progressive, Geico, Dairyland, and more.

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