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Hagerty Auto Insurance: Reviews, Costs, and More (2021)
Hagerty Auto InsuranceIn our Opinion: Hagerty Auto Insurance reviews are largely positive, so your valuable possessions are in good hands with this classic auto insurer
- Hagerty offers auto insurance for classic, collector, exotic and antique vehicles in all 50 states.
- Hagerty is known for providing customers and industry professionals with a fast application process and a long history of excellence.
- Extensive benefits and access to a community of collector car enthusiasts are available through the Hagerty Driver’s Club ® .
When it comes to insuring your classic or collector's car, you want to choose a provider that will take care of your vehicle as much as you do. Hagerty Auto Insurance Reviews Are Cheap, But Is It The Right Company For You?
In this article, we're going to review Hagerty auto insurance plans to give you a better sense of whether this provider is a good fit for your coverage needs and budget. We'll also discuss the differences between getting traditional auto insurance with one of the best auto insurance companies in the industry or choosing a specialist insurer.
To view insurance rates in your area, fill out the form below.
Hagerty Auto Insurance overview
Hagerty is a leading provider of insurance policies for classic and collector cars. The company was founded in 1984 as a boat insurance company and began insuring classic cars in 1991.
In its nearly two decades of history in the classic car insurance industry, Hagerty has become known for its dedication to customers and extensive knowledge of classic cars and the special needs of classic cars.
Read on to take a closer look at the coverage, cost, and Hagerty auto insurance reviews.
Hagerty auto insurance coverage
Hagerty covers vintage and vintage cars, modified vehicles from 1980 or later, as well as classic trucks and commercial vehicles. Due to the novel nature of these vehicles, most are not used for everyday purposes and therefore do not require the same coverage as standard cars.
As part of car insurance with guaranteed value ® Hagerty offers owners of classic cars the following insurance coverage:
- Agreed Value Policy: If your vehicle is found to be total loss after a covered incident, Hagerty will reimburse you for the total cost of the agreed value of your car, with no depreciation.
- Spare parts cover: With this benefit, drivers get comprehensive coverage of $ 750 for tools and parts to keep their vehicles running efficiently.
- Hagerty Drivers Club ® : This round-the-clock breakdown assistance program includes lockouts, starting assistance for batteries and tire changes, emergency fuel supply and more, and guarantees the towing of flatbeds with soft belts.
- Reimbursement of medical expenses for the auto show: If you or someone in your family is injured during an auto show or similar event, the cost of injuries is covered up to $ 10,000.
Hagerty Auto Insurance: Coverage Restrictions
On its website, Hagerty Auto Insurance reviews certain restrictions on how it can be used. For example, if your classic car is insured with Hagerty, it cannot be used for daily driving. All members of your household with a license must have a vehicle for daily use. This is a common limitation with classic car insurance.
Your classic car insured by Hagerty must also be stored in the garage or in a living room.
Drivers who are not eligible for Hagerty auto insurance include high risk drivers with a history of DUIs, excessive speeding, or reckless driving.
One advantage of Hagerty car insurance is that there are no daily mileage restrictions on occasional pleasure trips. This includes trips to club events, exhibitions, tours and organized meetings.
Hagerty auto insurance costs
Hagerty says its collector car insurance policies are 39 percent cheaper than regular car insurance. Hagerty's monthly premium cost starts at $ 100, but this price varies by state. Deductibles of zero dollars are available for many vehicles.
Hagerty Drivers Club
For an additional USD 45 per year, a Hagerty auto insurance customer can become a member of the Hagerty Driver’s Club. This is a community for car enthusiasts who want to enjoy member-only events, receive select vehicle discounts, and get a subscription to HOSTYS magazine.
This is how you receive an offer and can make a claim
Hagerty's business model makes it unique. The company works with local independent insurance agencies and classic auto insurance providers like Progressive to manage its collector auto insurance policies. Or you can get a quote directly from Hagerty. Visit the company's website to find a local dealer or for an online quote.
Hagerty auto insurance claims
Hagerty Auto Insurance Reviews report a quick claims process. Hagerty also promises that a claims adjuster will contact you within one business day of reporting your claim. Hagerty also has an in-house parts specialist who can help you find replacement parts for your classic vehicle.
If you are a Hagerty auto insurance customer and you have had an accident, you should contact Hagerty immediately for a claim. Depending on your policy, Hagerty may have a specific time limit on how long you have to file a claim. Contact Hagerty Claims Department online or by phone.
Hagerty Auto Insurance Reviews
Hagerty auto insurance reviews speak largely in favor of the company's coverage options and customer service. Hagerty receives positive reviews from industry experts such as the Better Business Bureau (BBB), which rates the company based on its business ethics, and AM Best, which rates financial opportunities to pay off customer claims.
Hagerty auto insurance policies for vintage and collector's cars are taken out with one of the following insurance companies, each of which has an AM Best rating of A (Excellent) or better:
- Essentia insurance company
- Nationwide mutual insurance company
- Nationwide Insurance Company of America
Hagerty has an A + rating from the BBB, which is good for customer satisfaction and business ethics for the company.
When it comes to customer reviews of Hagerty auto insurance, Trustpilot shows that 88 percent of customers consider the company “excellent” and that it has an average overall rating of 4.4 stars out of 5.0.
Positive reviews of Hagerty auto insurance describe the company's quick claims processing, excellent customer service and clear, efficient communication. Negative customer ratings show that drivers are upset. The company does not cover lowriders or cars with modified rims and colors.
Final thoughts on Hagerty Auto Insurance
Hagerty auto insurance ratings reflect the company's reliability and long history of excellence in the collector and classic automotive industries. Hagerty is a well known, world class classic car insurance provider and could be a good provider for your insurance needs. For these reasons, we give Hagerty an 88% rating.
Top recommendations for car insurance
If you are looking for the best classic car insurance, we recommend looking into Progressive or Grundy and comparing offers to find the right policy for your classic car. You can fill out the form below to compare free offers in your area.
Progressive classic car insurance
With a good reputation in the industry and extensive coverage, Progressive could be a great option for your classic auto insurance needs. Hagerty progressive partner in providing vintage car guidelines. If you already have progressive auto insurance or are considering switching, you may be able to bundle policies for a better price on coverage.
To qualify for Progressive Oldtimer Insurance, your car must:
- More than 25 years old
- Held in a closed structure like a garage
- A secondary vehicle that is not used for your daily transportation
To qualify as a driver for Progressive Classic Auto Insurance, you must:
- Take out auto insurance for your vehicle with normal use
- There has been no DUI or reckless travel tickets for the past three years
Grundy Classic car insurance
Grundy is another classic auto insurer that has received top reviews from customers and industry professionals. Grundy offers customers the following guidelines:
- Liability insurance: Covers up to $ 1,000,000 in the event you cause personal injury or property damage to another party while driving
- Collision insurance: Covers damage to your car after an accident
- Comprehensive insurance: Does not cover damage to your car caused by a collision, e.g. B. Damage caused by an extreme weather event, damage caused by theft or chemical damage
- Personal Injury Protection (PIP): Protects you from paying the full cost of your post-accident injuries
- Agreed value insurance: In the event of a total loss, pays you the agreed value of your car
As you can see, Grundy offers more insurance options than Hagerty auto insurance. Grundy plans also offer the following benefits:
- $ 0 deductible
- Towing and working up to $ 250
- Spare parts inventory up to $ 500
- Travel interruption reimbursement up to $ 600
- Automatic coverage for newly purchased vehicles
- Inflation protection to protect the value of your policy as well as the increase in the value of your car
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