Hagerty Insurance: The Ultimate Classic Car Insurance Guide

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Are you a classic car enthusiast wondering how to best protect your beloved vehicle? Look no further than Hagerty Insurance, the leading classic car insurance provider. With decades of experience and a passion for preserving and promoting the classic car community, Hagerty offers comprehensive coverage and unparalleled customer service.

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What is Hagerty Insurance?

Hagerty Insurance was founded in 1984 by Frank and Louise Hagerty, classic car collectors and enthusiasts who saw a need for specialized insurance coverage. Today, Hagerty is the world’s largest provider of classic car insurance, serving over 1 million policyholders worldwide.

Unlike traditional auto insurance providers, Hagerty’s policies are specifically tailored to the unique needs of classic car owners. That means comprehensive coverage for agreed-upon value, flexible usage, and a range of specialized services to help protect your investment.

Agreed-upon value

Most car insurance policies cover your vehicle’s actual cash value (ACV), which can be significantly lower than its replacement or restoration cost. But with a Hagerty policy, you and your insurer agree on an appraised value upfront, ensuring that you’ll be fully reimbursed in the event of a total loss or theft.

Plus, Hagerty’s in-house claims adjusters are experts in classic cars, so you can trust that you’ll receive a fair and accurate appraisal.

Flexible usage

Many classic car owners don’t drive their vehicles on a daily basis, meaning they may only need coverage for occasional pleasure driving, car shows, or other special events. With Hagerty, you can choose the usage that’s right for you, whether that’s weekend cruising, cross-country tours, or even international travel.

And if you do decide to take your classic car on a road trip, Hagerty offers a range of trip interruption and emergency assistance services to help keep you on the road.

What Does Hagerty Insurance Cover?

When it comes to classic car insurance, one size definitely does not fit all. That’s why Hagerty offers a range of coverage options to meet your unique needs. Here are some of the most common types of coverage:

Agreed-upon value

As mentioned earlier, Hagerty’s agreed-upon value coverage ensures that you’ll be fully reimbursed for the appraised value of your classic car in the event of a total loss or theft.

Total loss

If your vehicle is determined to be a total loss, Hagerty’s policy will cover the appraised value, minus any deductible. And if you’ve made any modifications or upgrades to the vehicle, those can also be included in the value.

Collision and liability

Like traditional auto insurance policies, Hagerty offers collision and liability coverage for classic cars. This can help cover damage to your vehicle and/or property damage or bodily injury to others in the event of an accident.

Uninsured/underinsured motorist

If you’re in an accident with a driver who doesn’t have adequate insurance, your Hagerty policy can cover the difference. This provides valuable peace of mind and ensures that you won’t be left with hefty repair bills or medical expenses.

Why Choose Hagerty Insurance?

Beyond their comprehensive coverage and flexible usage options, Hagerty also offers a range of specialized services to support classic car enthusiasts. Here are just a few reasons why Hagerty stands out:

Expert claims adjusters

As mentioned earlier, Hagerty’s claims adjusters are experts in classic cars. This means they understand the unique challenges and value of your vehicle, ensuring that you’ll receive a fair and accurate appraisal in the event of a claim.

Vehicle valuation tools

Hagerty offers a range of online tools and resources to help you appraise and value your classic car. This includes a valuation tool that considers factors like make, model, condition, and recent sales data to provide an accurate estimate of your vehicle’s worth.

Classic car community support

Hagerty is more than just an insurance provider – they’re also passionate supporters of the classic car community. This includes providing funding and resources for car clubs, events, and organizations that promote and celebrate classic vehicles.

Hagerty Insurance Reviews

Don’t just take our word for it – here’s what some of Hagerty’s satisfied policyholders have to say:

Name
Location
Review
John S.
California
“I’ve been a Hagerty policyholder for years and couldn’t be happier. Their coverage is top-notch, and their customer service is excellent. I love knowing that my classic car is in good hands.”
Jennifer K.
Texas
“I recently had to file a claim with Hagerty, and the process was so smooth and easy. Their claims adjuster was knowledgeable and helpful, and I felt like I was in good hands throughout the whole process.”
Mike D.
Florida
“I’ve had a few different classic cars over the years, and Hagerty has always been my go-to for insurance. Their policies are flexible and tailored to my needs, and their rates are very competitive.”

FAQ

How do I get a quote for Hagerty Insurance?

You can get a quote online or by calling Hagerty’s customer service line. The process is quick and easy, and you’ll receive a quote tailored to your specific vehicle and coverage needs.

What types of classic cars does Hagerty cover?

Hagerty covers a wide range of classic and collector vehicles, including antique cars, hot rods, muscle cars, vintage motorcycles, and more. They also offer coverage for modern collectible cars, such as limited-edition sports cars and other high-performance vehicles.

Can I add additional drivers to my policy?

Yes, you can add additional drivers to your Hagerty policy. However, it’s important to note that each driver must meet Hagerty’s specific eligibility requirements, which may include age, driving history, and other factors.

What if I need to file a claim?

If you need to file a claim with Hagerty, the process is quick and easy. You can file a claim online or by calling their claims hotline. A claims adjuster will work with you to assess the damage and provide an appraisal, and the claim will be processed quickly and efficiently.

What other services does Hagerty offer?

Along with their insurance policies, Hagerty offers a range of specialized services for classic car enthusiasts. This includes an online community forum, car club resources, and a range of educational materials and events to help you get the most out of your classic car ownership experience.

With Hagerty Insurance, you can protect your classic car with confidence and peace of mind. Contact them today to get a quote and start enjoying the benefits of specialized classic car coverage.

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