Benefits of Hagerty's car insurance

Guaranteed Value^® coverage

In the event of a covered total loss, your client receives every cent of their car's insured value.* No depreciation. No messing around. No hassle.

Flexible usage

Our policy allows occasional pleasure use with no fixed mileage restrictions.** With Hagerty, your client can go for a weekend drive, take their vehicle up to the local ice cream shop or attend unlimited events and cruises.

Hagerty Drivers Club^®

Hagerty Drivers Club is the ultimate membership community for car lovers. Members enjoy 24/7 emergency roadside, exclusive automotive discounts, a subscription to Hagerty Drivers Club magazine, VIP perks at events and much more.

Expert Claims Handling

Our in-house parts specialists can help your client 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.

Your clients will save money

Become your client's trusted advisor by providing better coverage for their prized possession and lowering their annual premium. Because we specialize in collector car insurance, our premiums are up to 21% lower than standard auto insurance.***

Unparalleled service and knowledge

We know collectible cars, so you'll deal with real people who can advise you on your client's car and their needs making you the expert.

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 Hagerty Drivers Foundation.

Frequently asked questions

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 your client 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") gives the insurer the right to pay your client either their vehicle's depreciated cash value amount or the cost to replace their vehicle—and they'll choose the lower of the two amounts.

How is classic car insurance different from regular car insurance?

Classic car insurance offers some key benefits compared to daily driver or "regular" insurance.

Lower premiums

We understand their car is a prized passion and will be driven with great caution, so we adjust the premiums accordingly—21% lower on average than daily driver insurance. With a daily driver insurance policy, their classic may be rated like a regular-use vehicle, and your client will be charged as if your client were driving the vehicle every day.

Guaranteed Value

More commonly known as "agreed value" coverage, it means your client tell us the value of their classic and we'll affirm that it's a fair, accurate number. Then, we guarantee that value will be paid to your client 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 their vehicle in the event of a claim, resulting in a smaller payout than your client anticipate.

No fixed mileage

Our policy allows your client flexible usage—with no fixed mileage limits. Even if your client have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when their classic is driven.