Hagerty
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Racer
Joined: Feb 2014
Posts: 252
Likes: 61
From: Peru Indiana
Hagerty
Wondering what Hagerty's definition of " pleasure drive " is . I think it is a pleasure anytime I get in the seat , turn the key put in drive and go . Doesn't matter the destination or if I even have one .
Melting Slicks
Joined: Mar 2023
Posts: 2,963
Likes: 1,704
From: North Coast
They are pretty common sense. The prime is no daily driving to work not a primary means of transportation.
if you read their magazine and stories on line they are pretty relaxed but to a point. They want to promote the hobby.
Other companies can be very restrictive.
if you read their magazine and stories on line they are pretty relaxed but to a point. They want to promote the hobby.
Other companies can be very restrictive.
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Best to go to the source for an answer and ask for things in writing.
Racer
Joined: May 2006
Posts: 330
Likes: 252
From: Columbus Ohio
I'll probably be going with Hagerty for my 26 HTC Stingray when it gets delivered. I work from home and already have what could be considered a daily (Audi etron).
With a generous 3,000 miles a year and a value of $100,000 it comes out averaging $90 a month. Paying upfront full year for a discount. USAA quoted me $154 a month.
With a generous 3,000 miles a year and a value of $100,000 it comes out averaging $90 a month. Paying upfront full year for a discount. USAA quoted me $154 a month.
Burning Brakes
Joined: Oct 2016
Posts: 1,209
Likes: 363
From: Massillon Ohio
I have the State Farm Classic + Policy. It is relatively new for them and they partner with Hagerty on this. I have all the standard coverages. I do not think there is a mileage restriction, but even if it was 6k a year, I wouldn't worry about hitting it lol.
What is nice about this are the coverage/endorsements for this. Two that are pretty cool are the Vehicle Under Construction (20 dollars per year) which increases the Guaranteed Value by 10% quarterly (value has a limit though of 25k over the initial value). This covers anything you may add to the car over the years so you do not need to continually update the insurance company of the changes/raise the value on your own.
The second is the Cherished Salvage endorsement. What happens here is if the vehicle is totaled, you will receive the Guaranteed Value of the car, but, you also get to keep the car. Let's face it, unless the car burns down completely and there is nothing left of it, then there would be plenty to salvage if it is just a bad accident.
What is nice about this are the coverage/endorsements for this. Two that are pretty cool are the Vehicle Under Construction (20 dollars per year) which increases the Guaranteed Value by 10% quarterly (value has a limit though of 25k over the initial value). This covers anything you may add to the car over the years so you do not need to continually update the insurance company of the changes/raise the value on your own.
The second is the Cherished Salvage endorsement. What happens here is if the vehicle is totaled, you will receive the Guaranteed Value of the car, but, you also get to keep the car. Let's face it, unless the car burns down completely and there is nothing left of it, then there would be plenty to salvage if it is just a bad accident.
Melting Slicks
Joined: Dec 2000
Posts: 3,281
Likes: 1,097
From: Pittsburgh PA
Hagerty never asked me for mileage on renewal. Any agreed value policy I’ve had quotes the value they have the car assessed at. You either agree or pay more to raise the assessment.
Last edited by Fcar 98; Dec 29, 2025 at 11:32 AM.