Hagerty Insurance vs. daily driver insurance

Hagerty Classic Insurance Policy

Daily Driver Insurance Policy


Premiums up to 46% lower on average*

We understand your classic car is a prized possession that will be used sparingly and with great caution — so, we adjust premiums accordingly.

Compare to Daily Driver Insurance

High Annual Premiums

Daily driver insurance policies may rate your classic as if it’s a regular use vehicle — you will be charged as if you are driving the vehicle daily.


The Best Coverage for Your Classic

Hagerty offers the best FULL coverage along with additional coverage options. You can tailor your policy to fit how you use your classic car.

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Standard Auto Coverage

Your classic may be covered the exact same way as your daily driver, which could be trouble if you ever have a claim.


Guaranteed Value

You tell us the value and we verify that it’s a reasonable, accurate number. Then, we GUARANTEE that value in the event of a covered total loss**. Period.

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Stated Value or Actual Cash Value

Daily driver carriers offer "Actual Cash Value" or "Stated Value", which may depreciate your vehicle in the event of a claim.


Knowledgeable Service

All Hagerty employees receive training on classic cars and we have many experts available to answer your toughest questions.

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Average Service

A daily driver insurance carrier may not give you guaranteed value coverage or stock replacement parts.


Exceptional Claims Handling

Adjusters trained in the art of classic vehicle repairs. Parts Specialist on staff whose job is tracking down stock original replacement parts. Choose your own repair shop — or we’ll even pay you to do the work.

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Claims Handling Outsourced

A daily driver carrier may only be able to get aftermarket parts or partial payout in the event a total loss, leaving you with a car that is a shell of its former self.


Freedom to Enjoy Your Car

Cars are made to be driven. Our policy allows flexible usage — with no fixed mileage limits. We offer the freedom for weekend cruising and more.

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Restricted or Limited Usage

Even if you have full coverage, there may be mileage and usage restrictions to control how your classic is used.


Guaranteed Flatbed Roadside Assistance

We offer guaranteed flatbed towing with soft straps — no hooks or chains. We also offer unlimited emergency service for towing, battery jumps and lockouts.

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Regular or No Roadside Assistance

Roadside coverage may not be included or may not be able to guarantee a flatbed tow truck that can handle your car with proper care.

Get A Quote Now or call us for more information on 877-922-9701

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.

*Figure based upon 2012 consumer data collected by Hagerty on single car quotes, with premiums $5000 and under, from several Daily Driver (or "Everyday") auto insurance carriers.

**Any deductible and/or salvage value if retained by you will be subtracted from the total amount paid.