What you get with Hagerty
We love cars. So we understand why you own your collector car, and we give you insurance options that make sense for how you use it. Our range of products can accommodate any owner’s needs — from dedicated collectors to someone in love with just one classic — with prices and knowledgeable service that leave conventional insurers in the dust.
With Hagerty, you get:
Low annual premiums
Our rates are significantly lower than the companies who insure your regular-use vehicles. Hagerty offers the best coverage — a full coverage policy that includes comprehensive, collision and liability — and the best service out there, all at an affordable price.
We understand the value of your car. With Hagerty, securing coverage for the true value of your car is a simple process. We start with an Agreed Value policy, then we guarantee it. That is, we’ll agree on the insured value, and in the event of a covered total loss, you’re guaranteed to receive that amount. Period.
This sets Hagerty apart from companies who offer “Actual Cash Value” or “Stated Value” policies, which may depreciate your vehicle in the event of a claim.
From the person who services your policy to the person who handles your claim, every Hagerty employee that you encounter is knowledgeable about collector cars and insurance. We all go through collector car training, we support the hobby with youth initiatives and legislative advocacy, we keep experts on staff to answer your toughest questions — all because we genuinely care about your needs and want to provide you with the best possible car-owning experience.
Exceptional claims handling
Hagerty’s in-house claims team is the only one in the country to deal exclusively with collector vehicles. Our adjusters have been trained in the art of classic vehicle repairs. We even have a Parts Specialist on staff whose only job is tracking down the perfect replacement part for your collectible. Plus, we let you choose your own repair shop — we’ll even pay you to do the work yourself.
A customized policy
Your Hagerty policy is designed specifically for you, your car and your participation in the hobby. We have coverage to meet your needs whether you own one car or one hundred, are restoring a vehicle, travel with your car, collect automobilia, or own valuable spare parts or tools.
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Freedom to enjoy your car
We believe cars are made to be driven. So our policy allows limited pleasure use with no fixed mileage limits. Whether it's a drive on a gorgeous summer day, a trip to the ice cream shop, attending club events or going to shows, you're covered. If you have specific questions about usage, especially if you own a newer vehicle (generally 1990 and newer), we're happy to discuss them with you.
Flatbed roadside assistance
Our optional Hagerty Plus Roadside Assistance program is the only one of its kind to offer guaranteed flatbed roadside assistance and additional benefits geared to the interests and lifestyles of collector vehicle enthusiasts like you.
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The basics and then some
With Hagerty, you get a full coverage policy that includes comprehensive, collision and liability. You also get:
Instant new purchase coverage —Your Hagerty policy includes 30 days of coverage for up to $50,000 in value on your existing Hagerty policy.
Auto Show Medical Reimbursement — Clients and their family members injured while attending an auto show or similar car-related function will receive up to $10,000 in medical payments.
Motorcycle safety equipment coverage — This feature includes up to $1,000 of coverage for safety apparel, including leather pants, gloves, jacket and a helmet.
Spare Parts coverage — The classic auto policy includes $750 of comprehensive (other-than-collision) coverage for spare parts for your insured collector vehicle.
All coverage not available in all states. This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.