What types of vehicles does Hagerty insure?
Hagerty specializes in specialty vehicle insurance tailored specifically for car enthusiasts, collectors, and hobbyists. Their insurance policies cover classic and vintage cars, antique automobiles manufactured before modern safety eras, vintage trucks, and exotic or high-performance modern sports cars. In addition to traditional collector cars, they offer coverage for modified or custom street rods, kit cars, replicas, vintage motorcycles, vintage tractors, and retired military vehicles. Their policies are built around agreed-value coverage, which guarantees that owners receive the full insured value of their specialty vehicle in the event of a total loss, alongside customized mileage plans.
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Yes, in the event of a "total loss" payout, Hagerty's policy generally allows the owner to retain the vehicle if they wish, provided that the state's motor vehicle department does not mandate the total destruction or scrapping of the car.
Hagerty insurance policy pricing depends heavily on the agreed value, rarity, and storage conditions of the specific collector vehicle, but premiums are often surprisingly affordable compared to standard daily commuter auto insurance.
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