We’re as passionate about cars as you are. Our deep knowledge of cars and their owners allows us to offer you better classic car insurance coverage for less.
In the event of a covered total loss, you receive every cent of your car’s insured value.** No depreciation. No messing around. No hassle.
Our policy allows you occasional pleasure use with no fixed mileage restrictions***. With Hagerty, you can go for a weekend drive, take your vehicle up to the local ice cream shop or attend unlimited events and cruises.
Hagerty Plus® is designed specifically for collector cars. It is a comprehensive 24/7 full service roadside assistance program for lockouts, battery jumps, tire changes, emergency fuel delivery and more — guaranteeing flatbed towing with soft straps.
Our in-house parts specialists can help you track down replacement LKQ, OEM, or NOS parts — if they’re out there, we’ll find them. Hagerty maintains an extensive list of resources for hard-to-find parts — ask our carcierge!
Because we specialize in collector car insurance, our premiums are up to 52% lower* than daily driver insurance.
At Hagerty, we believe it is our responsibility to support organizations and initiatives that help make sure the vehicles we love — and the lifestyles that revolve around them — not only survive, but thrive, well into the future. We are dedicated to supporting car culture through our suite of Youth Programs and support of the RPM Foundation and Historic Vehicle Association.
When researching the value of your vehicle, the most important factor – and most common mistake – is correctly assessing the vehicle's condition. Many owners overrate the condition of their car, so be sure to carefully evaluate the vehicle using Hagerty's definition of condition grades #1 to #4. Keep in mind that cars in conditions #1 and #2 are extremely rare, and vehicles in condition #5 and #6 also exist even if Hagerty Price Guide does not publish those prices.
The second most important factor is properly identifying the car, down to the car's unique options, provenance and history. Number of owners, originality, interesting equipment and documentation can all enhance a vehicle's value, so take the time to get a complete picture. Once you know what you have, find your vehicle in Hagerty Valuation Tools® by selecting the appropriate year, make, model, submodel, body style and engine. Or, enter your vehicles VIN and choose from the resulting matches. Compare current Price Guide values with recent public sales and asking prices for similar vehicles for sale. All of these resources can help provide a sense of a vehicle's value.
Classic car insurance offers some key benefits compared to daily driver or “regular“ insurance.
We understand your car is a prized passion and will be driven with great caution, so we adjust the premiums accordingly -- 40% lower on average than daily driver insurance. With a daily driver insurance policy, your classic may be rated like a regular-use vehicle, and you’ll be charged as if you were driving the vehicle every day.
Agreed Value coverage means you tell us the value of your classic and we’ll affirm that it’s a fair, accurate number. Then, we GUARANTEE that value will be paid to you in the event of a covered total loss. Regular car insurance carriers offerActual Cash Value or Stated Value coverage, which may depreciate the value of your vehicle in the event of a claim, resulting in a smaller payout than you anticipate.
No Fixed Mileage
Our policy allows you flexible usage -- with no fixed mileage limits. Even if you have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when your classic is driven.
We cover all kinds of classic cars, trucks and other vehicles, including antiques autos, collector and vintage cars, some modified and newer vehicles (sometimes called “modern classics” or “future classics”), along with many different kinds of specialty vehicles. Qualification depends on usage, storage and driving record. For more information, view our Driver Eligibility page.
All coverage not available in all provinces. This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.
**Agreed Value to include the applicable sales taxes in the province in which your policy coverage applies. The Agreed Value is the total amount of your car’s insured value on your Certificate of Insurance irrespective of changes to tax rates, currency fluctuations or other fees and expenses. Any deductible and/or salvage value if vehicle is retained by you will be subtracted from the total amount paid.
***Occasional pleasure use does not mean use for daily driving to and from work or school, routine shopping, etc.