| Classic car insurance from a specialty insurance | | | | safety equipment coverage. Hagerty also has a car |
| company has a lot of advantages for those of us | | | | club liability program. |
| who own and drive a muscle car, antique car, or | | | | The optional Hagerty Plus program offers even more |
| other collectible or special interest vehicle. These | | | | benefits for its members, including emergency |
| policies offer much better coverage for less money | | | | roadside assistance and flatbed towing coverage, a |
| than a standard auto insurance policy. There is a lot | | | | subscription to the Hagerty magazine, and access to |
| to consider, though, when comparing classic car | | | | the "Ask Hagerty" concierge service. They are active |
| insurance companies. Each company has its own | | | | advocates on legislative issues related to the collector |
| advantages and disadvantages, and it is important | | | | car hobby, and a portion of the membership fees go |
| that you find the insurance company that offers the | | | | to support The Collectors Foundation, which provides |
| best fit for your situation. | | | | scholarships and grants to organizations working to |
| Hagerty Classic Car Insurance has been offering | | | | preserve the hobby through education and other |
| specialty collector vehicle insurance since 1991, and is | | | | avenues. |
| one of the largest and most well-known collector car | | | | Hagerty does have some restrictions, though, on |
| insurance companies. They are car collectors | | | | who and what qualifies for their insurance. Drivers |
| themselves, so they understand the insurance needs | | | | with more than one or two minor traffic violations or |
| of other classic car owners. Their policies offer: | | | | accidents in the past 3-6 years may not qualify. The |
| - Agreed Value coverage - you receive the full | | | | vehicle must be used on a limited basis, going to |
| insured amount in the event of a total loss | | | | automotive-related events or an occasional pleasure |
| - A wide range of deductibles, from $0 and up | | | | drive. If you drive your classic car very often or very |
| - Single liability charge, which saves you money on | | | | far, you might be better off considering a different |
| the premium if you have more than one classic | | | | specialty insurance company that doesn't place limits |
| vehicle insured | | | | on how much you drive your car. Like most other |
| - In-house claims management - most claims are | | | | companies, your vehicle must be stored in a fully |
| handled at Hagerty by a collector car insurance | | | | enclosed and locked garage when not in use. And like |
| expert, seven days a week from April through | | | | most other collector car insurance companies, you |
| October | | | | must have a "daily driver" that is insured in your |
| - Repair shop of your choice - you get to choose the | | | | name in addition to your classic car. |
| shop you want to handle any repairs | | | | Insurance policies are available for most antique and |
| - Instant new purchase coverage - a new addition to | | | | classic cars, street rods, muscle cars, military vehicles, |
| your collection is automatically covered up to $50,000 | | | | antique fire trucks, tractors, motorcycles, and some |
| - Car show medical reimbursement - clients and their | | | | replica cars. However, Hagerty does not offer |
| family members get pre-determined medical | | | | insurance for Cobra replicas, off-road vehicles, many |
| coverage if they are injured at a car show | | | | Pro-Street cars, any vehicle equipped with nitrous, |
| Hagerty Classic Car Insurance also offers special | | | | dune buggies, commercial vehicles, or motorcycles |
| policies for coverage during an active restoration, for | | | | that are modified for performance. They do offer |
| business-use endorsement, coverage during overseas | | | | policies for some of the "late model classics", exotic, |
| shipping, and foreign liability and property damage if | | | | special interest, or limited production vehicles, as long |
| you take your car to an event overseas. You can | | | | as they are being treated as a collectible and are |
| get additional coverage for your automotive tools | | | | driven on a limited basis. |
| and memorabilia, spare parts, and even motorcycle | | | | |