Why buy classic car insurance?

You may have noticed there’s a big difference between collector car insurance policies and regular use policies, including cost. Hagerty collector car insurance boasts low premiums and excellent coverage. Other benefits include:

• Agreed Value Coverage – In case of a total loss, you get the full amount of insured value on your collector car insurance policy.
• No Deductible – In most states, you pay nothing if you have a claim.
• Flexible Usage – Enjoy your classic with comfortable classic car insurance limits.
• In-House Claims – Your claim is handled by a collector car insurance expert.
• Repair Shop of Choice – Take your car to your favorite repair shop.
• Restoration Coverage – Protect your classic with classic car insurance and increase value during the active project.

What collector cars are covered?

Hagerty offers collector car insurance for the following types of vehicles:

• Antiques and classic cars
• Muscle cars
• Exotic and special interest
• Street rods
• Modern classics
• Trucks
• Replicas (high quality)
• Fire trucks
• Tractors
• Low riders
• Military vehicles
• Motorcycles and scooters
• Vehicles under active restoration
• Trailers

What’s not covered?

Hagerty does not provide collector car insurance for these vehicle types:

• Inexpensive home-built kits that do not replicate a classic vehicle
• Any vehicles used for camping, off-road or utility-type driving
• Pro-street vehicles modified with racing features like roll cages, nitrous systems, parachutes, etc.
• Regular-use vehicles driven on a daily basis
• Vehicles used primarily for commercial use
• No motorcycles with performance modifications
• Any vehicle modified with nitrous systems, blown alcohol systems or that run on nitro-methane
• Dune buggies