Hagerty

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Hagerty offers products across the following categories: Automotive & Tools, Travel, Services, Travel Insurance. Browse their full range on their official website or explore exclusive offers for Hagerty products on Herm.io.

You can reach Hagerty through their official website at https://hagerty.com for support options.

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Hagerty is generally considered worth it for classic car owners who drive their vehicles occasionally. They offer agreed value coverage (not depreciated value), specialized classic car expertise, and additional benefits like roadside assistance and access to their Drivers Club. Premiums are typically lower than standard insurance because classic cars are driven less, though this is a premium-tier product compared to basic collector car policies.

Hagerty, Grundy, and American Collectors all specialize in classic car insurance with agreed value coverage. Hagerty typically offers more extensive additional services including their marketplace, valuation tools, media content, and Drivers Club membership. Grundy is known for unlimited mileage options on some policies, while American Collectors often has competitive pricing. Hagerty is the largest and has the most comprehensive enthusiast ecosystem beyond just insurance.

Yes, Hagerty is specifically designed for weekend and occasional classic car drivers. Their policies typically require that the vehicle not be used for daily commuting and that you have another car for regular use. They understand the needs of enthusiasts who drive their classics to car shows, weekend cruises, and special events, making them ideal for this use case.

Hagerty insures a wide range of collector vehicles including classic and antique cars (typically 25+ years old), muscle cars, exotic vehicles, vintage motorcycles, classic boats, vintage camper trailers, and even military vehicles and antique tractors. They also cover newer collectibles from 1980 onwards if they have collector appeal. The vehicle generally needs to be well-maintained, stored in a garage, and not used as a daily driver.

Hagerty specializes exclusively in classic and collector vehicles, while State Farm and Progressive offer classic car policies as add-ons to their regular insurance. Hagerty typically provides agreed value coverage, specialized claims handling with classic car expertise, and enthusiast benefits that standard insurers don't offer. State Farm and Progressive may be more convenient if you want to bundle all policies with one company, but their classic car coverage is generally less specialized and may use depreciated values rather than agreed values.

Yes, Hagerty offers coverage for modifications, custom parts, and upgrades on classic cars as part of their agreed value policies. You'll need to document and declare these modifications when setting your agreed value, and they can adjust coverage to include aftermarket wheels, engines, paint, and other enhancements.

Hagerty typically doesn't have strict annual mileage caps but expects limited recreational use rather than daily driving or commuting. Most policies allow driving to car shows, club events, exhibitions, and occasional pleasure drives, with the understanding that you have another vehicle for regular transportation.

Hagerty generally requires that insured vehicles be stored in a locked garage or enclosed storage facility when not in use. Street parking or outdoor storage typically disqualifies a vehicle, as proper storage is part of their underwriting requirements to protect collector vehicles from weather and theft.

Hagerty uses their proprietary valuation tools, market data, recent auction results, and condition assessment to determine agreed value with the owner. You and Hagerty mutually agree on the value upfront, which is the amount paid out in a total loss without depreciation, based on the vehicle's condition, originality, and market trends.

Drivers Club is automatically included with Hagerty insurance policies at no additional cost, providing roadside assistance, discounts, and event access. Non-insurance holders can also purchase a standalone Drivers Club membership to access roadside services and enthusiast benefits without having a Hagerty insurance policy.