Hagerty Car Insurance Review [2024]
Hagerty car insurance is available exclusively for specialty, classic, and antique vehicles. Hagerty has an A+ customer service rating from the BBB.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 14, 2024
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- Hagerty offers specialty insurance for collectors of specialty, classic, and antique vehicles
- There are a few restrictions, but if they agree to insure your collector vehicle, it typically will cost less than going with a mainstream auto insurer
- It’s always in the customer’s best interest to compare rate quotes from several classic car insurance companies before deciding which one to use
- Hagerty has an A+ customer service rating.
What does Hagerty Insurance cover?
It’s critical to understand what your auto insurance policy covers. Hagerty offers a competitive package with its policies.
- Clients get the full agreed value coverage amount in the event of a total loss.
- Plan holders can pay a single liability fee even if they have several classic cars to insure.
- There are a wide variety of deductibles available for clients.
- Clients can pick any repair shop to handle repairs of insured collector cars.
- In-house customer service is available and can process claims daily from April to October.
- They offer medical reimbursement for plan holders and their families for injuries incurred during car shows.
- Automatic insurance coverage of as much as $50,000 for any new addition to your car collection.
The people behind the company are vehicle collectors, too, so they know what a car collector is looking for in a collector car insurance policy.Aside from the standard Hagerty auto insurance, clients can also purchase special coverage and add-ons in their policies in cases where:
- the insured vehicles are undergoing restoration
- in transport overseas
- used for business or promotional use
- a policyholder uses their vehicle during foreign trips
These special types of coverage could be accommodated by other car insurance companies but at a much higher premium rates than Hagerty.
The company also provides a wider range of benefits for its clients. In fact, many plan holders think that Hagerty provides them not only with auto insurance coverage but also that feeling of being a member of an exclusive and elite auto club.Some of the free services include flatbed towing, emergency roadside rescue, concierge services and also a free subscription to the Hagerty magazine.
Read more: Car Subscription Services: A Comprehensive Guide
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Problems with Hagerty Car Insurance
One of the main problems you might encounter with Hagerty auto insurance is that the company has a lot of restrictions.
- Even if you own a classic car, it does not necessarily mean that they will agree to cover it.
- Aside from the type and model of the vehicle, a major consideration in deciding whether to cover it or not is how frequently the vehicle is used by its owner. If you only have one collectible car and you use it every day, the company may refuse to cover it.
- Also, drivers with at least two minor traffic violations within a period of 36 to 72 months may not qualify for any auto insurance plan from Hagerty.
- Lastly, the company will also look into how a car collection is being kept by its owner. If you do not have a fully enclosed and secure area to store your classic car collection, you may not be eligible to get auto insurance from this company.
All in all, Hagerty Insurance offers valuable coverage at a great price if a vehicle can meet the company’s requirements.
The company also provides great customer service, fast claims and even additional benefits. Then again, it is still wise for a car owner to request quotes from different car insurance companies.It pays to compare rates, product features, and after-sales services of different auto insurance plans before getting one.Enter your zip in now to start comparing car insurance rates!
Frequently Asked Questions
What types of vehicles does Hagerty car insurance cover?
Hagerty car insurance specializes in coverage for specialty, classic, and antique vehicles.
Does Hagerty car insurance offer additional coverage options?
Yes, Hagerty car insurance offers special coverage and add-ons that cater to the needs of collector car owners.
What are some benefits of choosing Hagerty car insurance?
Hagerty car insurance provides benefits such as free services like flatbed towing, emergency roadside rescue, concierge services, and a free subscription to the Hagerty magazine.
Are there any restrictions with Hagerty car insurance?
Yes, Hagerty car insurance has certain restrictions that vehicles must meet in order to be eligible for coverage.
How can I compare rates and coverage from different car insurance companies?
You can enter your ZIP code on our website to compare car insurance rates and features from multiple companies, including Hagerty.
Charlie_3
Terrible company and service
Awetz
BE AWARE
mkc211
Couldn’t be easier and saved big.
jjdigby
The best ever
draftybarn
Great insurance for my classic car
Brandon111
Best classic car insurance company
Yfz450chris
Say yes to their Classic car insurance coverage!
Richiecuz
Outrageous renewal quote
Angie2018
Great classic car insurance
buj999
Good company