It’s always important to explore your options for the type of car insurance you need. However, Hagerty auto insurance is not your typical coverage. Hagerty is known for its classic car insurance, providing protection for antique and classic cars, classic trucks, utility vehicles, and modified vehicles manufactured in 1980 or later.
Because customers do not typically use classic vehicles for daily activities like commuting to work and school, the coverage they need will be different than basic car insurance. Another important distinction is that classic cars appreciate in value over time, meaning insured limits also need to increase over time. Here are some options for Hagerty auto insurance:
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- Guaranteed Value® Coverage: If your vehicle experiences a covered total loss, you will be awarded your car’s agreed-upon insured value in full. Because there is no depreciation, this is a great coverage option.
- Spare Parts Coverage: This plan contributes $750 to protect the valuable tools and spare parts you may have in order to keep your vehicle running efficiently. You also have access to original replacement parts when your vehicle needs repairs.
- Hagerty Drivers Club®: This membership includes 24/7 roadside assistance should you need a tow or a tire change while on the road, a subscription to Hagerty’s magazine, and additional discounts.
- Auto Show Medical Reimbursement: This option covers you or your family up to $10,000 if someone becomes injured during an auto show or related event.
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Hagerty is one of the top auto insurance carriers for classic and historic vehicles, so it places strict limitations on how coverage can be used. Insured classic cars cannot be used for daily driving. However, Hagerty auto insurance places no mileage limitations on occasional pleasure driving. This includes trips to club functions, exhibitions, tours, and organized meetings.
Hagerty auto insurance policies require that you store your classic car in a secure, enclosed structure like a garage or residential storage unit. All members of your household with a valid driver’s license must have a vehicle meant for daily use and maintain regular car insurance for each of those vehicles.
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You will not be eligible for Hagerty auto insurance if you have a poor driving record, with violations for alcohol-related offenses, excessive speeding, or reckless driving.
Drivers with an unsafe driving history become a liability to insure, so Hagerty restricts them from starting a policy.
If you need roadside assistance, Hagerty works to dispatch help within 60 minutes of your call. Actual response time will depend on the weather, traffic, and current demand.
Source: https://t-tees.com
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