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I got the free HOG membership too so went and logged on and checked out the insurance. I just saved 50% by switching away from Geico. Glad I came across this.
That being said, I was paying $1200, started around $800 but had a little accident and they raised it. Progressive through HOG priced me at $685 and would have been cheaper to pay a year in advance. That is with the exact same coverage. Even the Geico rep said I should go for it.
Now I have $50/month extra to spend on the Harley.
Progressive quoted me $685 per year on my 14 Limited. I went with State Farm for $380 per year with same coverage and deductible.
I have been a member since 1990...at that time membership was about $25 and after 2 years conversion lifetime was $75.
So I am a lifetime member and it cost about $125 ( I think).
AT the time most dealers gave a 10% discount on P&A- that went away by mid-90's
I have gotten my Insurance through HOG since 1994, and that rate is a little better. The HOG insurance brokers will not make sure that your policy is suitable- they are not experts so you have to take responsibility for that and make sure the coverages are what you need ( for instance they will often cram a $25 roadside on your policy- which you already have as a hog member).
( CA residents I strongly recommend Mike Felder ins.)
HOG comes with basic roadside- a $20 upgrade give unlimited occurrence, unlimited mileage ( to nearest dealer).
I have used this a couple of times for tows which would have cost multiple hundreds $$$ each
I also like the road atlas they send out every year...I have one in each of my cars etc.
I have a stack of pins and patches in a box.
I have had free snacks at a hill climb event.
so that's me, I have gotten out of it more than I paid.
I know that some people like "joining" and "clubs" and it gives them a reason to get out and ride more.
Mike
You were smart, I joined HOG in 1989, had a real low membership number. Like a fool I let it expire, more than once. Should have gone with the lifetime membership. 26 years later I am a HOG member but don't really do much with my dealers HOG group. Nice to have for regional rally's.
Do you like Ford or Chevy?
The HOG Members are going to say it's great, non-members will tell you to steer clear. It has more to do with you, your preferences, and the type of riding you do.
If you like dressing up in motorcycle gear, hanging around the local shop, letting people tell you where, when, and how you are riding, then finally leaving after that last man or woman is ready - HOG might work. Yes there are some good people there, but there are also some that are novice and too dangerous for me to be around.
Doesn't work for me, but I'm the kind of guy that rides where, when, and with who I choose - and if everyone wants to go right and I want to go left - I'll wave. It's not personal, but riding for me is about relaxation, enjoyment, and miles down the road with people I trust. No HOG members here - all more than 35 years of riding.
As far as Insurance try FOREMOST, that's what works best for me $930 a year.
Not that high - I have full coverage, $500 deductible, and 4 Harleys. 1980, 1996, 1997, and 2009.
Yep, I'm a life member. I enjoy reading HOG tales. All my annual patches are in my night stand.
Being a member of National HOG and belonging to a local chapter are two different things.
People can be so ignorant and judgemental. I thought "bikers" were live and let live.
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