Benefits of car insurance through Hagerty

Guaranteed Value™ coverage

It’s no fun to think about, but if a covered total loss happens you’ll receive every cent of your car's insured value.* No depreciation. No messing around. No hassle.

You own it, you drive it

Do you want to do things like take weekend drives, trips to the movies and attend car events and cruises? We encourage it. Pleasure use with no fixed mileage restrictions gives you freedom to enjoy your ride.**

Hagerty Drivers Club^®

Hagerty Drivers Club is designed specifically for collector cars. It is a comprehensive 24/7 full service roadside assistance program for lockouts, battery jumps, tire changes, emergency fuel delivery and more—guaranteeing flatbed towing with soft straps.

Specialized claims team

Our experienced adjusters are trained in collector vehicles repair and consumed with high service standards. They understand that getting work done efficiently means knowing the best materials, people and actions to take, which saves time and alleviates possible hassles as the claim is processed.

You’ll save money

Your policy is tailored to your vehicle and needs which means you won’t pay for extras you don’t use. And because we specialize in classic and collector car insurance, premiums through Hagerty help save up to 33% on average vs. standard insurance.***

Unparalleled service and knowledge

We know collectible cars, so you deal with real people who understand your car and your needs.

The future of driving

Changes in how people look at vehicles and driving are happening but we believe the thrill and joy of driving will live on. That’s why we support organizations and initiatives that focus on the value that these special vehicles continue to bring to our lives. We are dedicated to supporting car culture through our suite of Youth Programs and support of the RPM Foundation and Hagerty Drivers Foundation.

Frequently asked questions

How do I value my vehicle?

When researching the value of your vehicle, the most important factor—and most common mistake—is correctly assessing the vehicle's condition. Many owners overrate the condition of their car, so be sure to carefully evaluate the vehicle using Hagerty's definition of condition grades #1 to #4. Keep in mind that cars in conditions #1 and #2 are extremely rare, and vehicles in condition #5 and #6 also exist even if Hagerty Price Guide does not publish those prices.

The second most important factor is properly identifying the car, down to the car's unique options, provenance and history. Number of owners, originality, interesting equipment and documentation can all enhance a vehicle's value, so take the time to get a complete picture. Once you know what you have, find your vehicle in Hagerty Valuation Tools® by selecting the appropriate year, make, model, submodel, body style and engine. Or, enter your vehicles VIN and choose from the resulting matches. Compare current Price Guide values with recent public sales and asking prices for similar vehicles for sale. All of these resources can help provide a sense of a vehicle's value.

How is classic car insurance different from regular car insurance?

Classic car insurance offers some key benefits compared to daily driver or “regular“ insurance.

Lower premiums

We understand your car is a prized passion and will be driven with great caution, so we adjust the premiums accordingly—54% lower on average than daily driver insurance. With a daily driver insurance policy, your classic may be rated like a regular–use vehicle, and you’ll be charged as if you were driving the vehicle every day.

Guaranteed value

Guaranteed value coverage means you tell us the value of your classic and we’ll affirm that it’s a fair, accurate number. Then, we guarantee that value will be paid to you in the event of a covered total loss. Regular car insurance carriers offer Actual Cash Value or Stated Value coverage, which may depreciate the value of your vehicle in the event of a claim, resulting in a smaller payout than you anticipate.

No fixed mileage

A policy through Hagerty allows you flexible usage—with no fixed mileage limits. Even if you have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when your classic is driven.

What classic cars qualify for coverage?

We protect all kinds of classic cars, trucks and other vehicles, including antiques autos, collector and vintage cars, some modified and newer vehicles (sometimes called “modern classics” or “future classics”), along with many different kinds of specialty vehicles. Qualification depends on usage, storage and driving record. For more information, view our Driver Eligibility page.