Overview
Hagerty is the undisputed leader in insurance for classic cars, collector vehicles, and automotive enthusiasts. Founded in 1984, Hagerty has grown from a small specialty insurer into the world's largest provider of insurance for classic and collector vehicles, protecting everything from vintage muscle cars and antique automobiles to modern collectibles and exotic sports cars. They insure more than 2 million vehicles and serve a passionate community of car enthusiasts across the United States and Canada.
Better Choice Insurance Group partners with Hagerty because standard auto insurance policies are not designed for collector vehicles. A regular policy would only pay the depreciated value of a classic car in a total loss — which is often a fraction of what the vehicle is actually worth. Hagerty offers agreed-value coverage, meaning you and the carrier agree on the vehicle's value upfront, and that is what you get paid if the worst happens. For our clients who own classic or collectible vehicles, Hagerty is the gold standard.
What They Are Known For
- Agreed-value coverage: Unlike standard auto policies that pay depreciated value, Hagerty guarantees the full agreed-upon value of your vehicle in the event of a covered total loss — no depreciation, no negotiation.
- Specialist claims team: Hagerty's claims adjusters understand classic and collector vehicles. They know the difference between a numbers-matching restoration and a restomod, and they work with shops that specialize in these vehicles.
- Flexible usage policies: Hagerty understands that collector vehicles are driven to shows, on pleasure cruises, and for special occasions. Their policies are designed around how enthusiasts actually use their cars, not a daily commuter model.
- Car culture community: Beyond insurance, Hagerty is deeply invested in the car enthusiast community through Hagerty Drivers Club, their magazine, valuation tools, and events like the Hagerty Festival of Slow Rides and Concours d'Elegance sponsorships.
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Where We Write Hagerty
Better Choice Insurance Group offers Hagerty policies to homeowners and drivers across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington