Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 18, 2020

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Company Details
Address: 141 River's Edge Drive #200
City: Traverse City
State: MI
ZIP Code: 49684-1303
Phone Number: 800-922-4050
Year Founded: 1991
AM Best Rating:
Company Rating 0 (0 reviews)

Things to Remember...

  • Hagerty specializes in protection for unique vehicles
  • Hagerty offers comprehensive, collision, and liability coverage
  • Hagerty offers insurance products for classic cars and collector cars

This Hagerty auto insurance review will focus on Hagerty Insurance located in Traverse City, MI. Hagerty offers insurance products for classic cars and collector cars. They do not offer insurance for day to day automobiles.

Hagerty originated in January 1991. Hagerty specializes in protection for unique vehicles. Since these cars are not intended for day to day transportation usage, the premiums are often cheaper than alternative auto insurance coverage. above.

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Hagerty Insurance Contact Information

141 River’s Edge Drive
Traverse City, Mi.

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Hagerty Insurance Overview

Hagerty offers comprehensive, collision and liability coverage. Hagerty currently serves clients in the United States and internationally in Canada and the United Kingdom.

Hagerty also offers insurance services to clients with classic boats. Agent services can be accessed via their website.

Hagerty Insurance Claims

Hagerty offers guaranteed value on their insurance policies. This is in contrast to other companies that offer actual cash value or stated value policies.

Together with Hagerty, a determination is made on the insured value of your collector or classic car. In the event of a total loss, the full amount of the agreed-upon value is paid.

Hagerty has adjustors and part specialists that deal exclusively with classic or collector automobiles.

They will help you track down the right parts necessary to repair your vehicle.

An auto insurance claim can be filed online 7 days a week. Hagerty will respond to all claims within one business day.

Hagerty will assign an appraiser using a specialty network. For your convenience, they will call shops in your area to obtain estimates. Hagerty pays the average damage auto insurance claim within 15 days.

Hagerty Insurance Services

Hagerty gives you the ability to drive your collector vehicle with no fixed mileage limits. They also have customized options based on your particular needs. This includes having multiple collector vehicles. It also includes vehicle restoration or construction.

Hagerty’s full coverage insurance policy includes comprehensive, collision and liability.

In addition, the following services are offered:

  • Instant new purchase coverage gives you 30 days of coverage for up to $50,000 in value for your existing Hagerty policy.
  • Auto show medical reimbursement gives up to $10,000 in medical payments for clients and family members that are injured while attending an auto show or car-related function.
  • Motorcycle safety equipment coverage features up to $1,000 of coverage for safety apparel including leather pants, gloves, jackets, and helmets.
  • Spare parts coverage includes $750 of comprehensive coverage for spare parts needed. This is in addition to parts needed as a result of a collision. If more than $750 is needed, the coverage limit can be raised for an additional premium.
  • Any personal tools that are used to maintain or restore collector vehicles are eligible for coverage. That includes tool boxes, storage cabinets, and accessories.

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Hagerty Insurance Coverage

Hagerty will cover historic items that are linked to the vehicle. More information on what items qualify for this coverage can be learned by contacting a Hagerty agent.

Other property that may be considered includes farm implements, militaria, diner memorabilia such as soda shop signs and barber shop memorabilia such as barber poles or signs.

Hagerty offers insurance for business use of your classic or collector car. This could be for photo shoots, movies, television commercials, small business promotions, or weddings.

The coverage can be used for an event lasting up to 72 hours. The rate is 20 percent of the vehicle’s annual premium.

Coverage is available for vehicles that are under construction. The value of the car will be raised 10 percent every quarter to a maximum of $25,000 per year. Having an under construction policy also offers up to $750 in coverage for your automotive tools.

Coverage is also available for traveling collectors. This includes $10,000 in accidental death coverage. There is access to a toll-free number for convenient towing that is dedicated to the needs and care of collector vehicles.

A traveling collector is eligible for up to $1,500 towards the use of a rental vehicle, repayment of lost event expenses and lodging required during repairs from a covered accident.

Traveling collector insurance also covers $750 for spare parts, $750 for tools and $250 for personal effects.

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For customers who collect several vehicles, Hagerty offers a program called private client services. This program will automatically increase the value of the collection by 2 percent every quarter.

Hagerty offers coverage if you are taking your car overseas. The insurance will cover the shipping as well as cover the vehicle while it is out of the country.

This includes transportation to and from the track, in storage or during the pace laps. For all coverage types, Hagerty allows you to choose your own repair shop. They will also allow you to do the repairs yourself.

Insurance is available for businesses that have collector cars on their property. This includes dealerships, restorers, builders, museums, storage facilities, events, and car clubs.

Hagerty offers an optional guaranteed flatbed roadside assistance program. Enrolling in this program also gives you the benefit of becoming a member of the historic vehicle association.

This includes extra benefits and services as well as a subscription to Hagerty magazine.

Hagerty Insurance Reviews

Hagerty Insurance has been accredited with the Better Business Bureau since December of 1997. The current rating with the BBB is an A+. This is the highest possible rating available from the Better Business Bureau.

In the last 3 years, 3 complaints were filed with the BBB.

All of these successfully resolved by the guidelines of the Better Business Bureau.

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