Policy Features

Each of our policy features is based on our own personal experiences as collectors and on feedback we've gotten from you — our fellow collectors — at hundreds of car show and events all across the country.

Our rates are drastically lower than standard. For example: The standard rate on a '65 Mustang could hit $800/year. Hagerty's average premium on the same car? Just $110.

In case of a total loss, you will receive the full amount for which you have insured your vehicle.

Our base program has no deductible requirement. However, you have the freedom to select optional deductibles to lower your premium.

No matter how many vehicles you have on your policy, you only pay a single liability charge.

Drivers can enjoy their classics with comfortable limits. Our policy allows for an occasional leisure drive, not just to parades or car events.

We want your claim handled by a collector insurance expert, so most claims are managed at Hagerty. We're here for you, even seven days a week during the busiest hobby months, April-October.

Your choice, not ours. Take your collector cars to your favorite repair shop.

You can protect your classic and its increasing value during an active restoration project.

Unplanned purchases up to $50,000 receive immediate coverage on an existing Hagerty policy.

Collectors may use their cars for specific business or commercial uses for specified time frames.

Clients or family members injured during an auto show or similar car-related function will receive pre-determined medical coverage.

Hagerty can provide special coverage of your vehicle(s) during overseas transit including cargo shipping, foreign liability and property damage. We also can coordinate coverage during your stay.

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Protect your club and its members from potential lawsuits while enjoying the same great service and low rates enjoyed by all Hagerty clients.

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This feature includes coverage of safety apparel, including leather pants, gloves, jacket and a helmet.

You'll have the opportunity to join the nation's largest community of collector car enthusiasts.

We know that your love of collecting — and your investment in your hobby — doesn't end with your car. That's why we offer additional coverage for automobilia, automotive tools and spare parts.

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Next: Additional coverage

All coverages are not available in all states. This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.