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John has evaluated more than 1,000 new cars and was an early adopter of electric vehicles, at one time owning a Renault Lectric Leopard.
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You drive something special. Why settle for anything less than special coverage?
You bought your classic car because of the color, the design, what’s under hood, and the roar of the engine. You bought it, you love it, and you cherish it! Now, you deserve special coverage tailored to your specific needs.
Get better protection and coverage for your investment when you secure insurance designed specifically for the unique circumstances of driving a collectible.
Defining a “classic” isn’t easy. That’s why it’s best to ignore your car’s model year and focus instead on its unique appeal and features. “Collector car” or “enthusiast vehicle” are more universal terms describing these distinctive and irreplaceable cars and trucks.
Collector cars and enthusiast vehicles of any era may qualify for specialty insurance coverage. That includes 1950s hot rods, ‘70s muscle cars, and even “modern classics” of the 1980s, 90s, and early 2000s. Chevrolet Corvettes, Ford Mustangs, Mazda Miatas, and Porsche 911s are great examples.
Do you own a special or “fun” car you don’t drive every day? Does it look great? Is it holding or appreciating in value? If so, there’s a great chance it qualifies for collector car coverage. AAA, in partnership with Hagerty, can protect all types of enthusiast vehicles — including collector cars and trucks, motorcycles, antique boats, retired commercial vehicles, and more.
Traditional insurance policies may rate your collector car as a regular-use or “daily driver” vehicle. And in most cases, you’ll pay a higher premium. That’s because you’re charged as if you’re driving the vehicle every day. By contrast, Hagerty understands your collector car is different. It’s a prized possession you drive cautiously and sparingly. Your premium should be reflected accordingly.
Another key difference is how your vehicle value is calculated. Traditional policies offer “actual cash value” or “stated value” coverage based on today’s used car market. A collector car policy through Hagerty instead offers “Guaranteed Value®” based on your car’s worth in the collector or enthusiast vehicle market. Big difference.
Collector car coverage through AAA, in partnership with Hagerty, helps ensure you’ll be compensated for the true cost of repairing or replacing your special vehicle. We’ll work with you to confirm a fair and accurate value for your enthusiast vehicle and guarantee that value will be paid to you after a covered total loss.*
* Any deductible and/or salvage value if vehicle is retained by you will be subtracted from the total amount paid. Guaranteed Value includes all taxes and fees unless prohibited by state law.
Life’s too short to drive boring cars. In partnership with AAA, Hagerty can protect a variety of unique and fun-to-drive enthusiast vehicles, including:
