Hagerty Insurance

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Benefits of Hagerty's car insurance Guaranteed Value coverage In the event of a covered total loss, you receive every cent of your car's insured value.* No depreciation. No messing around. No hassle. Flexible usage Our policy allows occasional pleasure use with no fixed mileage restrictions.** With Hagerty, you can go for a weekend drive, take your vehicle up to the local ice cream shop or attend unlimited events and cruises. 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\ u2014guaranteeing flatbed towing with soft straps. Expert Claims Handling Our in-house parts specialists can help you track down replacement LKQ, OEM, or NOS parts\ u2014if they're out there, we'll find them. Hagerty maintains an extensive list of resources for hard-to-find parts\ u2014ask our Carcierge! You'll save money Because we specialize in collector car insurance, our premiums are up to 36% lower than daily driver insurance.*** Unparalleled service and knowledge We know collectible cars, so you deal with real people who understand your car and your needs. We care about our future At Hagerty, we believe it is our responsibility to support organizations and initiatives that help make sure the vehicles we love\ u2014and the lifestyles that revolve around them\ u2014not only survive, but thrive, well into the future. We are dedicated to supporting car culture through our suite of Youth Programs and support of the RPM Foundation and Historic Vehicle Association. We cover all kinds of classic cars, trucks, modified and newer vehicles, in addition to motorcycles, tractors, boats and more. Frequently asked questions What is the difference between agreed value and stated value insurance coverage? An agreed value policy\ u2014the same as Hagerty's Guaranteed Value policy\ u2014guarantees that you will receive the full insured amount of the vehicle (with no depreciation, and including all sales taxes), in the event of a covered total loss. In contrast, a stated value policy (sometimes called "stated amount" or "maximum limit of liability") gives the insurer the right to pay you either your vehicle's depreciated cash value amount or the cost to replace your vehicle\ u2014and they'll choose the lower of the two amounts. 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\ u201436% 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 More commonly known as "agreed value" coverage, it 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 Our policy allows you flexible usage\ u2014with 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. Benefits of boat insurance through Hagerty Agreed value If you have a covered total loss, you receive the full agreed value the boat is insured for on your policy.* Many insurance programs only pay "up to" the insured value on your policy, this is known as a stated value policy. In other words, you may not receive the full insured amount. Make sure y