Hagerty Auto Insurance Review (2023)

Is Hagerty a Good Choice?

What is Hagerty Insurance’s Contact Information?

141 River’s Edge Drive
#200
Traverse City, Mi.
49684-1303
Phone:
800.922.4050
Fax:
231.941.8227
https://www.hagerty.com

Who Is The Hagerty Insurance Company?

The Hagerty Insurance Agency offers comprehensive, collision and liability coverage; however, they only offer classic car insurance. Hagerty currently serves clients in the United States and provides international service in Canada and the United Kingdom.

Are you a classic boat owner? Hagerty also offers specialty insurance services to clients with classic boats. Agent services can be accessed via their website at any time.

They also offer membership in what they call the Hagerty Drivers Club, which offers exclusive discounts, access to exclusive member events, and more.

What Do Hagerty Insurance Reviews Say?

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 against this collector car insurance company.

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

Hagerty Coverage Options

What Do Hagerty Insurance Services Include?

Hagerty is a classic car insurance provider that gives you the ability to drive your collector vehicle with no fixed mileage restriction. 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 for the classic car enthusiast:

• Instant new purchase coverage gives you 30 days of coverage for up to $50,000 in value for your existing Hagerty classic car insurance policy. This only applies if you have a current insurance policy with the company, though.
• 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 where you’ve taken an insured vehicle.
• 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. If you’re interested in classic vehicle restoration, this can come in handy.
• Any personal tools that are used to maintain or restore collector vehicles are eligible for coverage with your classic car insurance policy. That includes tool boxes, storage cabinets, and accessories.

What Is Hagerty Insurance Coverage?

Hagerty is not your average auto insurance carrier and they even go above and beyond when providing collector car insurance. They will cover historic items that are linked to the vehicle. More information, or a complete description, on what items qualify for this coverage can be learned by contacting a Hagerty insurance 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 a special type of 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 insurance cost is 20 percent of the vehicle’s annual premium.

If you have a vehicle under construction, coverage is available for those as well. 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.

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 specialized 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.

Classic car 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 truck roadside assistance program, too, which is great for those who like to partake in occasional pleasure driving of their collection instead of relegating it to a garage. Enrolling in this program also gives you the benefit of becoming a member of their classic car club, the historic vehicle association, giving you access to a community of collectors like yourself.

Access to the Hagerty Drivers Club includes extra benefits and services as well as a subscription to Hagerty magazine. It’s clear to see that this company provides so much more than just classic auto insurance.