Exploring Classic Car Insurance with Hagerty

For classic car enthusiasts, owning a treasured vintage vehicle is an incredible experience. However, protecting it with suitable insurance is essential to safeguard against any damages or accidents that can happen on the road. This is where Hagerty, an insurance agency that specializes in classic cars, comes in. In this article, we will explore everything you need to know about classic car insurance with Hagerty.

What is Classic Car Insurance with Hagerty?

Hagerty is an insurance company that offers specialized coverage for classic cars and other unique vehicles. They have been in business for over 30 years and are exclusively dedicated to the unique needs of classic car owners. Hagerty’s policies are tailored to meet the needs of collectors and enthusiasts, providing coverage for vehicles that are not typically covered by standard auto insurance policies.

Hagerty policies are designed to protect classic vehicles that are typically used for hobby purposes, such as car shows, parades, and occasional pleasure driving. The coverage also extends to classic vehicles that are under restoration, as well as those that are used as secondary vehicles.

What are the benefits of Classic Car Insurance with Hagerty?

Hagerty policies have several unique benefits that make them a preferred choice for classic car enthusiasts. Firstly, the policies are tailored to meet the specific needs of classic car owners, rather than offering a one-size-fits-all approach. Secondly, they offer agreed value coverage, which means that the value of the vehicle is agreed upon before the policy is issued. In the event of a total loss, the agreed value is what the policyholder will receive. Thirdly, Hagerty offers low premiums due to the limited use and careful maintenance of these vehicles.

Another benefit of Hagerty’s classic car insurance is that they offer flexible coverage options. The policyholder can customize their coverage to include options such as roadside assistance, spare parts coverage, and repair and restoration coverage. Additionally, Hagerty offers coverage for events such as car shows, rallies, and parades, which is not typically covered by standard auto insurance policies.

How is Classic Car Insurance with Hagerty different from Standard Auto Insurance?

The main difference between classic car insurance with Hagerty and standard auto insurance is that the coverage is tailored to meet the specific needs of classic car owners. Standard auto insurance policies are designed to protect daily drivers and do not take into consideration the unique value, usage, and characteristics of classic cars. Classic car insurance with Hagerty offers coverage for vehicles that are not typically covered by standard auto insurance policies, such as those under restoration or those that are not driven frequently.

Hagerty also offers agreed value coverage, which is not a feature of standard auto insurance policies. This means that the policyholder and the insurer agree on the value of the vehicle, which is what will be paid in the event of a total loss. Standard auto insurance policies typically pay out the current market value of the vehicle, which may be significantly less than the actual value of a classic car.

How to Get Started with Classic Car Insurance with Hagerty

If you own a classic car and are interested in getting started with Hagerty classic car insurance, here is what you need to know:

Eligibility Requirements

To be eligible for classic car insurance with Hagerty, your vehicle must meet the following criteria:

• At least 25 years old
• Used for hobby purposes only
• Well-maintained and stored in a secure location
• Driven less than 10,000 miles per year

If your vehicle meets these criteria, it is likely eligible for classic car insurance with Hagerty.

Request a Quote

Requesting a quote for classic car insurance with Hagerty is simple. You can visit their website and provide some basic information about yourself and your vehicle. Hagerty will provide you with a quote based on the agreed value of your vehicle, which is determined through a detailed appraisal process.

Customize Your Coverage

Once you have received a quote from Hagerty, you can customize your coverage to meet your specific needs. This may include adding coverage for spare parts, roadside assistance, and even coverage for events such as car shows and parades.

FAQ

What types of classic cars are covered by Hagerty?

Hagerty covers a wide range of classic cars, including antique cars, muscle cars, hot rods, and vintage motorcycles. They also offer coverage for classic boats and other unique vehicles.

Is Hagerty classic car insurance available in all states?

Yes, Hagerty classic car insurance is available in all 50 states.

What information do I need to provide to get a quote from Hagerty?

To get a quote from Hagerty, you need to provide basic information about yourself and your vehicle. This includes your name, address, and contact information, as well as details about your vehicle, such as the make, model, and year.

Can I add additional drivers to my Hagerty policy?

Yes, you can add additional drivers to your Hagerty policy as long as they meet the eligibility requirements and are listed on the policy.

What is the process for filing a claim with Hagerty?

If you need to file a claim with Hagerty, you can do so online or by phone. The claims process is straightforward and efficient, and Hagerty’s experienced claims adjusters will work with you to get your vehicle repaired or replaced as quickly as possible.

Conclusion

Classic car insurance with Hagerty is an excellent choice for anyone who owns a treasured vintage vehicle. Their policies are tailored to meet the unique needs of classic car enthusiasts and offer several benefits, including agreed value coverage and flexible coverage options. If you own a classic car, consider getting a quote from Hagerty to protect your investment.