Haggerty Car Insurance: A Comprehensive Guide

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When it comes to classic car insurance, few names carry as much weight as Haggerty. With over 30 years of experience in the industry, this company has become a go-to choice for collectors and enthusiasts. In this article, we’ll take a closer look at what Haggerty has to offer and why it might be the right fit for your classic car insurance needs.

Table Contents show

Who is Haggerty?

Before we dive into the details of their insurance plans, let’s first take a look at who Haggerty is as a company. Founded in 1984, they specialize in providing insurance for classic and collector cars. Unlike traditional auto insurance providers, Haggerty’s policies are tailored specifically to the needs of these types of vehicles.

In addition to their insurance offerings, Haggerty also provides various resources and services for classic car enthusiasts. These include a valuation tool, a magazine, and a community for like-minded car lovers.

What Does Haggerty Car Insurance Cover?

Now, let’s take a closer look at the specifics of Haggerty’s insurance plans. While the details may vary depending on your specific situation, here are some of the key features you can expect:

Coverage
Details
Agreed Value Coverage
Instead of offering standard market value coverage, Haggerty works with you to determine an agreed value for your car. This ensures that you’ll receive the full amount you and Haggerty agreed upon in the event of a covered loss.
Spare Parts Coverage
If you have spare parts for your classic car, Haggerty can include coverage for them in your policy.
Flexible Usage
Unlike some traditional auto insurance policies, Haggerty’s coverage allows for flexible usage of your classic car. This means you can take it out for a spin on the weekends, participate in car shows, and more.
No Deductible
With Haggerty, you won’t have to pay a deductible in the event of a covered loss.

FAQ About Haggerty Car Insurance

1. How much does Haggerty car insurance cost?

The cost of Haggerty car insurance will depend on a number of factors, including the make and model of your classic car, your location, your driving record, and more. However, most customers find that Haggerty’s rates are competitive with other classic car insurance providers.

2. Can I get Haggerty car insurance if I don’t have a classic car?

No. Haggerty only provides insurance for classic and collector cars. If you’re looking for coverage for a standard vehicle, you’ll need to seek out a traditional auto insurance provider.

3. Do I need to have a garage to qualify for Haggerty car insurance?

While having a garage is certainly helpful when it comes to protecting your classic car, it’s not necessarily a requirement to qualify for Haggerty insurance. However, you will need to provide proof that your vehicle is stored in a secure location when not in use.

4. Can I use my classic car for commercial purposes with Haggerty insurance?

No. Haggerty’s coverage is strictly for personal use only.

5. What is the claims process like with Haggerty car insurance?

If you need to file a claim with Haggerty, the process is generally straightforward. You’ll need to provide details about the incident, as well as any relevant documentation, such as photos or repair estimates. From there, Haggerty will work with you to settle the claim as quickly and efficiently as possible.

Final Thoughts

If you’re the proud owner of a classic or collector car, it’s important to have the right insurance coverage in place. Haggerty’s specialized policies and decades of experience make them a top choice for many enthusiasts in this space. With their flexible usage, agreed value coverage, and other features, you can rest assured that your prized possession is protected.

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