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I have had my antique cars insured thru Hagerty for over twenty years. I have been pleased with their service and also appreciate the fact that they will insure a vehicle under restoration and also parts for it.

Have used Hagerty for years, as well. Have been very pleased with their service. They respond quickly, and with no hassle if roadside service is needed, and with people that know what they’re doing. They insured my project from start all through the restoration and now, of course upon completion. They periodically, as restoration progress moved along, automatically increased the coverage, at no additional charge and included partial insurance on parts in the inventory.

Checked with several companies back about 4 years ago and without going into the details why they would, or would not insure, and some I didn't want, I ended up with Grundys and have been very pleased with both coverage and cost. Check around, the time you spend could save you $$$$$.

I have Hagerty, but have never had a claim. I have read some people with claims and they said Hagerty paid off the claims promptly.

Interesting that this old thread became active after 5 years.

When I was ready to.put my ‘37 on the road I started looking at collector car insurance. My intention was to use the car as my daily driver 7+ months a year. I was honest about this so they started quoting rates above $500 a year.

So I simply added the car to my regular policy with livability coverage only (less than $200 per year). In effect I am self insuring against any collision or compressive loss. I can drive the car wherever I want whenever I want. No issues with type of storage, etc.

On the other hand I do have a higher value classic car that I insure with Hagerty. I knew that it would never be used like the ‘37.

Whyizzit?? I jes' gotta ask!!! Some people will not bat an eyelash on dropping $20 000+ to restore an old car, yet spend hours in anguish trying to find an insurance rate $100 lower that the first rate quoted to them. Are these the same ones who'll park their brand-new $60 000 BMW on their laneway so that they can keep their $200 patio set in the garage out of the snow and rain? Jes' wonderin'!!

A lot of my friends have Hagerty. I have a 35 Chevy that I wanted to put on the road this year. All my friends are only paying about $300+/- for their cars valued at $30-35K. I called them and they told me $900 for $30K value. I asked them about it and they said that the rates almost tripled this year. I called Grundy and it is $328. Policies are the same. You can insure for whatever you want and they will cover. $300K personal etc. I'm with Grundy.

My renewable comes due in August so i will be watching closely. Last years was $155.00 for $17000 on the 32 with full coverage and $10000 for my 51 as "a vehicle under construction" which includes parts coverage for parts not on the vehicle of $750.00.

Being somewhat concerned I gave them a call to see what the new rate would be and it will go down $5.00. I have no idea what happened with the quote that Peter got but something is not right. I did ask about the "rate change" and their reply was that the only changes affecting rates are the values of the vehicles being insured and driver status.

Thanks for responding..... I just now found your reply to my post. I checked out J C Taylor Insurance. We are restoring a 36 Chevy 2-door coupe. It is not being restored to show - mostly just for our enjoyment to occasionally drive around locally, an occasional parade, etc. So I have a hard time checking the box to get a quote - the box says:

I agree that my vehicle(s) will be used mainly in exhibitions, club activities, parades and other functions of public interest and will not be used primarily for the transportation of passengers or goods.

We will use the car primarily for transportation occasionally for my husband and myself.... But I will check with JCTaylor to see if they will cover our car..... Thanks for your info!

Interesting way to look at insuring an older car.... Gave me a new perspective.... Thanks!

I have Hagerty insurance for my 32 and 51 . One main reason is that they will cover a car under construction while some others do not. That also includes parts that may not be yet attached to the car. That was important for me as I have an interior kit ($2400) , wiring harness ($1200), rechromed grille etc $3000) scattered in various places and not on the car.

Our clan had JC Taylor for fifty (count 'em!) years, and I just switched to Hagerty: not perfect, maybe, but an inprovement! I can tell you that JCT is no longer captained by car folks, just snippy insurance folks! It used to be great, of course; no problems until about the covid era. They refused to insure my project car (What?!) unless it wa s 'fifty-percent finished', and they decided -- based on satellite pics, I suppose -- that I was keeping another higher-value car outside. Yep I had a covered car in the drive, but it was a friends whom I was letting store there temporarily, but the were very discourteous (c'mon, I'm 78 now!) and threatened to cancel me after five decades of premiums. I got Hagerty on recomendations of friends, and let it lapse, but then they sent a cancellation notice on their own. Oh well... When Mr. Wallace's signature stopped appearing on the policy, JCT stopped being good. Wick Humble, driving Chevy's since 1961