When to Quote Hagerty

Your guide to collector car coverage through Hagerty

At Hagerty, we protect the cars people love. Thanks to a specialized offering and more than 40 years of experience in the business, we’re able to offer a superior product with unique benefits that drivers won’t find anywhere else, and we do it all with world-class customer satisfaction and a winning reputation.

Are you ready to offer your client customized coverage that will keep them happy all year long (meaning higher retention and new referrals for you)? Make the Hagerty shift.

What kinds of cars does Hagerty protect?

• Classic cars
• Modern collectibles from 1990 to today (think two-door sports cars and convertibles, up to the current year)
• Collectible supercars – Bugattis, Ferraris, Maseratis, and more
• Collectible trucks, Jeeps, vans, and SUVs that are from 1998 or older
• Modified vehicles like hot rods, replicas, race cars, lowriders, pro-street and tuners
• Retired military vehicles, commercial vehicles, and tractors, such as semis, Jeeps, tanks, and fire trucks

What sets Hagerty apart?

Guaranteed Value®: Get what it’s worth — every time Hagerty works with you and the customer to determine a value for their vehicle and in the event of a covered total loss, they’ll get that amount. Guaranteed.*

Flexible Usage: Roam free and for fun We encourage plenty of driving for fun, including road trips. Average Hagerty clients put less than 3,500 miles on their vehicles annually. Up to 7,500 miles annually can be considered.

No garage? No problem In most states, coverage is still considered for vehicles stored in carports (when under $100,000 in value) and in driveways (when under $50,000 in value).

Keep it quick and easy with no appraisals required Most quotes take less than 10 minutes to complete, do not require photos and are issued online with no manual underwriting review. Plus, usually when you quote online you won’t need up-to-date vehicle valuation—we handle that for you.

What is a “collector car” anyway? Different companies have different definitions for what is considered a “collector car” or “enthusiast vehicle,” but generally speaking if your clients have a vehicle that is not their daily driver, is driven seasonally or only for shows/parades, or is from the year 1999 or older, it very well might be a collector.

Other clues include a household with more vehicles than drivers, or clients who call their cars “baby” or have a nickname for it.

Common collector models

• Chevrolet Corvette
• Ford Mustang
• Mazda Miata
• Chevy C10 Truck
• Porsche 911

Indicators that standard insurance may work better

• The vehicle is the primary driver and sees more than 7,500 miles a year
• The vehicle is used to haul and tow or for off-roading
• The vehicle is used commercially
• The vehicle is stored in a public parking lot/garage, on the street or in temporary canvas/plastic storage
• The client has serious infractions on their driving record

Want to know more? Check out our agent resources for quoting best practices, driving higher retention, and why specialty beats seasonal coverage.

Prefer to talk to someone? Give us a call at 800-747-5348 or shoot us an email at agent@hagerty.com. We’re here to help.

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