Hagerty Auto Insurance: Reviews, Cost and More (2021)

Hagerty Auto Insurance Our opinion: Hagerty auto insurance reviews are mostly positive, so your valuable possessions will be in safe hands with this classic auto insurance provider. ProgressiveSpeedy claims process according to Hagerty auto insurance reviews Disadvantages Does not apply to lowriders88Compare offers

• Hagerty provides insurance for classic, collectible, exotic and vintage vehicles in all 50 states.
• According to customers and industry experts, Hagerty is known for its fast claim handling and a long history of excellence.
• Comprehensive benefits and access to a community of car collectors are available through the Hagerty Driver's Club ^® .

When it comes to insuring your classic or collectible car, you need to choose a provider who will take care of your car as well as you. Hagerty auto insurance reviews are positive, but is this company right for you?

In this article, we'll take a look at Hagerty's auto insurance plans so you can better understand if this provider is right for your needs and budget. We will also discuss the difference between getting classic auto insurance from one of the best auto insurance companies and choosing a specialized insurance company.

To see insurance rates in your area, please fill out the form below.

Hagerty auto insurance review

Hagerty is a leading provider of insurance policies for classic and collectible cars. The company was founded in 1984 as a boat insurance company and began insuring classic cars in 1991.

In its nearly twenty year history in the classic car insurance industry, Hagerty has gained a reputation for its customer loyalty and extensive knowledge of classic cars and the unique needs that vintage cars require.

Read on for a closer look at Hagerty auto insurance coverage, cost, and reviews.

Hagerty car insurance

Hagerty provides coverage for antique and classic cars, modified cars made in 1980 or later, and classic trucks and utility vehicles. Due to the novelty of these vehicles, most of them are not used for everyday purposes and therefore do not need the same coverage as standard cars.

As part of Hagerty's Guaranteed Value auto insurance ^® classic car owners receive the following coverage:

• Agreed value policy. If your vehicle is deemed completely lost following a covered incident, Hagerty will refund you the full agreed upon value of your vehicle without deducting depreciation.
• Spare parts coverage . This benefit gives drivers $750 full coverage for tools and parts to keep their vehicles running efficiently.
• Hagerty Drivers Club ^® : This 24/7 roadside assistance program includes lockdowns, battery start, tire changes. , emergency fuel supply and much more, and also guarantees towing a platform with soft straps.
• Compensation for medical expenses at a car dealership . If you or someone in your family is injured during a car dealership or related event, the cost of the injury will be covered up to $10,000.

Hagerty Auto Insurance: Insurance Restrictions

On its website, Hagerty Auto Insurance discusses certain limitations regarding the use of insurance coverage. For example, if your classic car is insured by Hagerty, it cannot be used for everyday driving. All members of your family with a driver's license must have a car designed for everyday use. This is a common limitation when it comes to classic car insurance.

Your Hagerty insured classic car must also be in a garage or residential storage.

Drivers ineligible for Hagerty auto insurance include high-risk drivers who have previously suffered from DUI, speeding or reckless driving.

One of the benefits of Hagerty auto insurance is that there are no daily mileage limits for occasional trips. This includes travel to club events, exhibitions, tours and organized meetings.

Hagerty car insurance cost

Hagerty claims that his CIT insurance policies are 39 percent cheaper than regular auto insurance policies. Monthly premiums from Hagerty start at $100, but this price varies by state. Many cars have zero dollar deductibles.

Hagerty Drivers Club

For an additional fee of $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 where they can participate in member-only events, receive certain discounts on cars, and subscribe to Hagerty's magazine.

How to get a quote and file a claim

Hagerty's business model makes it unique. The company works with local independent insurance agencies and classic auto insurance providers such as Progressive to administer cash-in-transit vehicle insurance policies. Or you can get a quote straight from Hagerty. Visit the company's website to find a local retailer or get an online quote.

Hagerty auto insurance claims

Hagerty auto insurance reviews report a fast claims process. Similarly, Hagerty promises that a claims assessor will contact you within one business day after you submit your claim. Hagerty also has its own parts specialist who can help you find replacement parts for your classic car.

If you are a Hagerty auto insurance customer and have been involved in an accident, you should contact Hagerty immediately to file a claim. Depending on your policy, Hagerty may have a specific time limit for filing a claim. Contact Hagerty Claims Department online or by phone.

Hagerty Auto Insurance Reviews

Hagerty auto insurance reviews are heavily in favor of the company's coverage options and customer service. Hagerty has received positive ratings from industry experts such as the Better Business Bureau (BBB), which evaluates companies based on business ethics, and AM Best, which assesses financial ability to meet customer requirements.

Hagerty auto insurance policies for classic and collectible vehicles are signed by one of the following insurance companies, each of which has an AM Best rating of A (excellent) or higher:

• Insurance company Essentia
• National Mutual Insurance Company
• National Insurance Company of America

Hagerty has an A+ rating from the BBB, which bodes well for customer satisfaction and the company's business ethics.

When it comes to customer reviews of Hagerty car insurance, Trustpilot shows that 88 percent of customers rate the company as "excellent" and its average overall rating is 4.4 out of 5.0 stars.

The positive Hagerty auto insurance reviews detail fast claims processing, excellent customer service, and clear and efficient communication. Negative customer reviews indicate that drivers are unhappy that the company does not cover lowriders or cars with modified rims and paint.

Final Thoughts on Hagerty Auto Insurance

Hagerty auto insurance reviews reflect the company's reliability and long history of excellence in the collectibles and classic car industry. Hagerty is a well known top rated classic car insurance provider that can be a good provider for your insurance needs. For these reasons, we rate the Hagerty at 88%.

Top recommendations for car insurance

If you're looking for the best classic auto insurance, we recommend checking out Progressive or Grundy and comparing rates to find the right policy for your vintage car. You can fill out the form below to start comparing free rates in your area.

Progressive classic car insurance

With a good reputation in the industry and comprehensive coverage, Progressive can be a good option for your classic car insurance needs. Progressive partners with Hagerty to provide classic car policies. So, if you already have progressive auto insurance or are thinking about switching, you can combine policies to get the best coverage rate.

To be eligible for progressive classic car insurance, your car must be:

• Over 25 years
• Stored in a closed structure such as a garage
• An auxiliary vehicle that is not used in daily life.

To be eligible for Progressive Classic car insurance, you as a driver must:

• Keep an auto insurance policy for your regular car.
• You have not had any driving tickets or reckless driving in the past three years.

Grundy Classic Car Insurance

Grundy is another classic car insurance company that has received top marks from clients and industry professionals. Grundy offers the following policies to clients:

• Liability Insurance: covers up to $1,000,000 if you injure or damage another person while driving.
• Accident insurance: covers damage to your car after an accident.
• Comprehensive insurance: covers non-collision damage to your vehicle, such as extreme weather damage, theft damage, or chemical damage.
• Injury protection (PIP): protects you from the full cost of injury after an accident.
• Agreed value insurance . Pays the agreed value of your car in the event of a total loss.

As you can see, Grundy offers more coverage options than Hagerty auto insurance. In addition, Grundy plans have the following benefits:

• Deductible $0
• Towing and work up to $250
• Spare parts coverage up to $500
• Trip interruption compensation up to $600.
• Automatic coverage for newly purchased vehicles
• Inflation protection to protect the value of your policy and increase the value of your car.