Motorcycle Insurance Discussion This is the place to discuss what type of Motorcycle Insurance you carry or any problems or good experiences you've had with certain companies.

AAA vs HOG vs ???

Thread Tools
 
Search this Thread
 
Old Apr 28, 2010 | 01:01 PM
  #1  
JonnyD's Avatar
JonnyD
Thread Starter
|
Outstanding HDF Member
Joined: Jul 2006
Posts: 2,876
Likes: 3
From: Washington State
Default AAA vs HOG vs ???

My AAA membership is coming due next month, and I am really pondering another company. It costs me $157/yr for my wife and I, for AAA Plus/RV. This is the package I had to buy here in WA in order to cover towing on the bikes. Can I get the same or more benefits from another company? I was kinda confused when I bought this last year, that all states are not the same under AAA, ie; different coverages for different states, with different options.

Does the HOG program offer anything better than AAA, that covers both bikes and cars? Is there a comparison of the two, apples to apples?

My goal is to get the best coverage for my bike, while on the road, and still get towing for the cars if needed. When I checked, Oregon had an option from trip interruption, but Washington didn't. Also, what about when I'm on the road, am I at the mercy of the state I'm in and there particular coverage limits? I've read some posts on here, but they usually turn into a he said/she said argument. I just want the best bang for the buck.

Help me decide, thanks.
 
Reply
Old Apr 28, 2010 | 01:05 PM
  #2  
voodoodrug's Avatar
voodoodrug
Stellar HDF Member
Joined: Sep 2006
Posts: 3,236
Likes: 95
From: lancaster, pa
Default

I wonder if hogg program would even varify you if you needed there service? mercedes benz has a program but are known to just help out anyone(mb) no questions asked.

this could help you with ur choice??
 
Reply
Old Apr 28, 2010 | 02:58 PM
  #3  
KingEvan's Avatar
KingEvan
Cruiser
Joined: Jun 2009
Posts: 204
Likes: 1
From: Westminster, MD
Default

I know your probably looking at the more expensive hog options, but just a heads up the regular one only covers 1 tow a year. i know because unfortunetly i've used 2 already THIS SEASON!
 
Reply
Old Apr 28, 2010 | 03:00 PM
  #4  
TheShrink's Avatar
TheShrink
Road Warrior
Joined: Feb 2008
Posts: 1,484
Likes: 2
From: Sarasota, Florida
Default

I use Good Sam and they cover my cars, trucks, rv, bike & trailers. I think I pay $100 per year.
 
Reply
Old Apr 28, 2010 | 03:01 PM
  #5  
Firetender's Avatar
Firetender
Road Warrior
Joined: May 2006
Posts: 1,479
Likes: 4
From: SoCal
Default

Good luck, I've found no better coverage for less and great towing policies with AAA...
 
Reply
Old Apr 28, 2010 | 04:16 PM
  #6  
slhanks4's Avatar
slhanks4
Road Warrior
Joined: Apr 2010
Posts: 1,764
Likes: 50
From: Gilbert, AZ
Default

An AMA membership gives you free roadside assistance if you sign up for automatic renewal with a credit card. It covers your bike and any other vehicle you or your family members happen to be in, whether you own it or not. $39/year.

I signed up last year and 2 days after receiving my membership card, I had to have my car towed when the fuel pump took a crap. It more than paid for my membership.
 
Reply
Old Apr 28, 2010 | 04:21 PM
  #7  
drifter27011's Avatar
drifter27011
Tourer
Joined: Apr 2010
Posts: 376
Likes: 1
From: NC
Default

+1 with Good Sam
 
Reply
Old Apr 28, 2010 | 04:26 PM
  #8  
DrPlastic's Avatar
DrPlastic
Outstanding HDF Member
Joined: Oct 2007
Posts: 2,398
Likes: 34
From: Newport news, Virginia
Default

+1 on AMA. I have it and it can't be beat!
 
Reply
HD Forum Stories

The Best of Harley-Davidson for Lifelong Riders

story-0

7 Times Harley-Davidson Chucked Tradition Out the Window

 Verdad Gallardo
story-1

7 Surprising Harley-Davidson Products that Are Not Motorcycles

 Verdad Gallardo
story-2

8 Best Harley-Davidson Motorcycles Ever

 Pouria Savadkouei
story-3

10 Worst Harley-Davidson Motorcycles Ever

 Pouria Savadkouei
story-4

Killer Custom's Jail Break Is The Breakout That Refused to Blend In

 Verdad Gallardo
story-5

Crazy Bunderbike Build Looks Amazing, But Is It Impossible to Ride?

 Verdad Gallardo
story-6

Harley-Davidson Reveals Super Cool Cafe Racer Concept

 Verdad Gallardo
story-7

Engraved Rebellion: Inside Bundnerbike's Glam Rock II

 Verdad Gallardo
story-8

10 Motorcycles You Should Never Buy

 Joe Kucinski
story-9

10 Things Harley-Davidson Needs to Fix in 2026

 Verdad Gallardo
Old Apr 28, 2010 | 04:40 PM
  #9  
JonnyD's Avatar
JonnyD
Thread Starter
|
Outstanding HDF Member
Joined: Jul 2006
Posts: 2,876
Likes: 3
From: Washington State
Default

AMA ROADSIDE ASSISTANCE
Covers all of your motorcycles, cars and trucks
Towing up to 35 miles. Up to five dispatched service calls per year
Covers RV's
Covers trailers
Trip Routing

I'm only seeing 35 miles towing. Can someone elaborate on there AMA membership? Doesn't our HOG membership tow us to the nearest dealership? I don't want to have to call two different places to get me out of a jam, if needed.
 
Reply
Old Apr 28, 2010 | 08:11 PM
  #10  
jrdfatboy's Avatar
jrdfatboy
Tourer
Joined: Apr 2008
Posts: 273
Likes: 0
From: Illinois
Default

HOG road side sucks, they will take you to the closest dealer. I live in northern Ill. and was riding in north central Wisconsin, new bike broke down, HOG would take me to Mauston, WI.about 200 mi. from home on Sunday night, AAA took me to Kutters in Janesville where I bought the bike, close to home.I still had to get a motel but when the bike was repaired it was close to home, easier to pick up.
 
Reply



All times are GMT -5. The time now is 12:10 AM.

story-0
7 Times Harley-Davidson Chucked Tradition Out the Window

Slideshow: Harley-Davidson built its reputation on nostalgia, but every so often, the company took a hard left turn into the future.

By Verdad Gallardo | 2026-05-20 11:18:19


VIEW MORE
story-1
7 Surprising Harley-Davidson Products that Are Not Motorcycles

Slideshow: The bar-and-shield logo shows up on far more than motorcycles, some of the company's most unexpected products have nothing to do with riding.

By Verdad Gallardo | 2026-04-29 16:50:35


VIEW MORE
story-2
8 Best Harley-Davidson Motorcycles Ever

Slideshow: Not every Harley gets it right, but these are the ones that genuinely earned their reputation.

By Pouria Savadkouei | 2026-04-15 14:23:21


VIEW MORE
story-3
10 Worst Harley-Davidson Motorcycles Ever

Slideshow: From the troubled AMF years to modern misfires, these bikes earned reputations for reliability issues, questionable engineering, or disappointing performance.

By Pouria Savadkouei | 2026-04-01 20:01:09


VIEW MORE
story-4
Killer Custom's Jail Break Is The Breakout That Refused to Blend In

Slideshow: Killer Custom's "Jail Breaker" build focuses more on stance and visual aggression than mechanical overhaul.

By Verdad Gallardo | 2026-03-18 19:20:32


VIEW MORE
story-5
Crazy Bunderbike Build Looks Amazing, But Is It Impossible to Ride?

Slideshow: The Swiss custom shop has taken a Harley Softail and stretched it into something so long and low that it looks closer to a rolling sculpture than a conventional motorcycle.

By Verdad Gallardo | 2026-03-07 16:15:30


VIEW MORE
story-6
Harley-Davidson Reveals Super Cool Cafe Racer Concept

Slideshow: Harley-Davidson's new RMCR concept revives the café racer formula with modern hardware-and it may be exactly the reset the company needs.

By Verdad Gallardo | 2026-03-04 12:23:37


VIEW MORE
story-7
Engraved Rebellion: Inside Bundnerbike's Glam Rock II

Slideshow: A standard cruiser becomes an intricate metal canvas in the hands of a Swiss custom house known for pushing Harley-Davidson platforms far beyond their factory brief.

By Verdad Gallardo | 2026-02-24 18:19:44


VIEW MORE
story-8
10 Motorcycles You Should Never Buy

Slideshow: There is no shortage of great motorcycles to buy, but we would avoid these ten.

By Joe Kucinski | 2026-02-19 14:50:51


VIEW MORE
story-9
10 Things Harley-Davidson Needs to Fix in 2026

Slideshow: Harley-Davidson's challenges aren't abstract; they show up in dropping shipments, shrinking dealer traffic, and strategic decisions that aren't yet translating into growth.

By Verdad Gallardo | 2026-01-13 18:33:17


VIEW MORE