About Hagerty Insurance

What Hagerty Insurance Covers

Hagerty specializes in classic and collector vehicle insurance, offering coverage that goes beyond the basics to protect the unique value of prized automobiles. 

Classic & Collector Vehicle Coverage

Hagerty’s core focus is on providing tailored insurance for vehicles such as:

• Classic and antique cars

• Collector trucks and SUVs

• Vintage motorcycles and scooters

• Military and specialty vehicles

• Trailers and automobilia (parts, signs, collectibles)

These policies emphasize the hobby-use nature of collector vehicles — often stored securely, driven occasionally, and appreciated for their historical or sentimental value. 

Specialty Features & Benefits

Hagerty offers several features that align with the needs of enthusiasts:

• Guaranteed Value® (Agreed Value) Coverage: Hagerty and the insured agree on a value for the vehicle ahead of time — helping ensure a fair payout on a total loss. 

• Flexible Usage: No fixed mileage limits, making policies suitable for occasional driving, tours, and club events. 

• Roadside Assistance: Specialized support geared toward classic vehicles and their unique needs. 

• Collector Tools & Parts Protection: Coverage that extends to spare parts, tools, and restoration-related equipment (varies by policy). 

Because these vehicles typically aren’t daily drivers, premiums can sometimes be more affordable than standard auto insurance, reflecting their limited use and secure storage conditions. 

Discounts & Ways to Save

Hagerty may offer savings opportunities based on how policies are structured, vehicle storage and usage, and program participation such as:

• Multi-vehicle collector discounts

• Safe-driver considerations

• Membership benefits through programs like Hagerty Drivers Club

• Bundled coverage for related collector items or multiple vehicles 

Working with an independent agent like Holt Insurance Agency can help you identify all available savings and ensure you’re structuring coverage in the most cost-effective way for your situation.

Financial Strength & Reputation

Hagerty is widely recognized for its leadership in the specialty auto insurance market, particularly for classic and collector vehicles. The company is praised by many owners for its deep knowledge of collectible vehicles and its niche expertise. 

Customer reviews reflect both positive experiences — especially about unique coverage features and passion for the automotive community — and some challenges tied to the niche nature of collector car insurance.