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Collector car insurance
Hagerty Collector & >
Guaranteed Value ® Coverage
Our policy allows 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 Drivers Club™
Hagerty Drivers Club™ 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.
Expert Claims Handling
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!
You’ll Save Money
Unparalleled Service and Knowledge
We Care About our Future
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.
What is the difference between Agreed Value and Stated Value Insurance coverage?
An Agreed Value policy — the same as Hagerty’s Guaranteed Value™ policy –guarantees that you will receive the full insured amount of the vehicle (with no depreciation, and including all sales taxes), in the event of a covered total loss.
In contrast, a Stated Value policy (sometimes called “stated amount” or “maximum limit of liability”) does not promise to pay the full vehicle value that’s indicated or “stated” on the policy. With regard to a covered total loss, you may receive less than that stated amount, because the insurer has the right to pay either your vehicle’s depreciated actual cash value OR the cost to replace your vehicle — whichever is less. Also, many insurers that offer stated value policies (typically standard insurers) require periodic appraisals to affirm the insured amount, adding cost and inconvenience to the client.
We understand your car is a prized passion and will be driven with great caution, so we adjust the premiums accordingly — 39% 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.
More commonly known as “Agreed Value” coverage, it 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 offer Actual 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”), in addition to motorcycles and many different kinds of specialty vehicles. Qualification depends on usage, storage and driving record. For more information, view our Driver Eligibility page.