Hagerty
Hagerty is the leading specialty insurer for classic, collector, and enthusiast vehicles, built around agreed value so a prized car is covered for what it is actually worth.
What they are known for
Hagerty is the best-known name in collector vehicle insurance. It specializes in classic, antique, collector, and enthusiast vehicles, and it is built around agreed value: you and Hagerty set the car's value up front, so a covered total loss pays that amount rather than a depreciated book value. It pairs the coverage with a large enthusiast community, valuation tools, and events, which is part of why collectors choose it.
What they cover
Hagerty focuses on vehicles that standard auto policies do not value well, including classic and antique cars, muscle cars and hot rods, exotics, modern enthusiast and future-collectible vehicles, classic trucks and motorcycles, and even vehicles under restoration. Policies are designed around how collector vehicles are actually used, with flexible, limited-use mileage rather than a daily commute, plus options many enthusiasts want.
When we may consider Hagerty
We may compare Hagerty when a client owns a classic, collector, or enthusiast vehicle that a standard auto policy would undervalue or treat like an everyday car. If the vehicle is appreciating, irreplaceable, or driven only occasionally, agreed value coverage usually fits far better than standard actual cash value.
Good to know before you choose
Collector vehicle programs have usage and storage expectations, and eligibility depends on the vehicle, how it is driven and stored, and the driver. The car generally needs to be a pleasure or collector vehicle rather than a primary daily driver. We confirm the fit and the right valuation before binding.
Explore related coverage
Service and claims
This page is about market access, not policy service. For claims, billing, or payment contacts, use the Carrier Directory, or start a request in the Service Center.
Vantage Point Risk is an independent insurance agency. Carrier availability, coverage options, eligibility, pricing, and underwriting decisions vary by state, vehicle, usage, storage, and driver. Mention of an insurance company does not guarantee availability, appointment status, eligibility, or placement with that company.
Own a car worth more than its book value?
A classic, a collector car, a restoration, or an enthusiast vehicle deserves coverage built for what it is worth. Tell us about the vehicle and we will see whether Hagerty or another market is the right fit.