Protection on the road
and in the garage
- Coverage designed for collector vehicles
- Trusted Guaranteed Value® protection
- Save 27% on average vs. standard insurance.*
Not all insurance coverage is the same. Do you have the right one?
Guaranteed Value® through Hagerty
You tell us what your classic is worth and we agree upon that value. Your vehicle is protected year-round, and in case of a total loss, Hagerty cuts a check for that amount. No games, no hassle**.
Compared to Standard Insurance with Stated Value
Standard insurers typically determine what your vehicle is worth. You have little to no input. In the event of a total loss, this leaves many people unable to replace their classic. Some providers may recommend seasonal coverage. With seasonal coverage, you’ll have to call your provider every fall to end full coverage and every spring to reinstate it. That could leave you unprotected.
Three reasons to choose Hagerty
1.8 million
protected classics - more than any other insurer
9 of 10
clients would recommend us to a friend
$244
saved on average when switching from standard auto insurance*
Let Hagerty protect your beloved classic
The classic car insurance rates we offer at Hagerty are extremely competitive. See for yourself.
*Figure based upon US 2024 consumer data collected by Hagerty, between 4/1/2024 and 10/31/2024, on single car quotes, with premiums $5,000 and under, from several daily driver (or “Everyday”) auto insurance carriers.
**Less any deductible and/or salvage value, if retained by you. Guaranteed Value includes all taxes and fees unless prohibited by state law.
Policies underwritten by Essentia Insurance Company. Hagerty determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage subject to policy provisions, exclusions, and endorsements.
Hagerty & Guaranteed Value are registered trademarks of the Hagerty Group LLC, ©2024 The Hagerty Group, LLC. All Rights Reserved.
Hagerty's Guaranteed Value® coverage
An Agreed Value policy—the same as a Guaranteed Value policy through Hagerty—guarantees that you 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") does not promise to pay the full vehicle value that's indicated or "stated" on the policy. With regard to a covered total loss, you may receive less than that stated amount, because the insurer has the right to pay either your vehicle's depreciated actual cash value OR the cost to replace your vehicle—whichever is less. Also, many insurers that offer stated value policies (typically standard insurers) require periodic appraisals to affirm the insured amount, adding cost and inconvenience to the client.