Hagerty Top Gear Agent

Classic Car Insurance from a Hagerty Top Gear Agent

Classic Auto Insurance has maintained a longstanding brokerage relationship with Hagerty, placing specialized collector vehicle policies with the world’s largest specialty insurer for classic, antique, and enthusiast cars.

Over the course of this established partnership, Classic Auto Insurance has been recognized as a Hagerty Top Gear Agent® six times. This elite distinction is reserved for a select number of top-performing independent agencies nationwide, awarded based on strict criteria for underwriting accuracy, production, service quality, and client retention.

For our clients, this track record translates into direct advantages: faster underwriting turnarounds, priority claims advocacy, and seamless access to Hagerty’s full suite of enthusiast programs.

An Established Partnership: By the Numbers

To give you an idea of what our deep integration with Hagerty means for your policy, here is how our experience breaks down:

• Longstanding Brokerage Experience: Our years of direct collaboration give our agents deep working knowledge of Hagerty’s underwriting guidelines, valuation matrix, and claims infrastructure. We know how to navigate the system to get your policy built correctly.
• 6-Time Top Gear Agent® Status: Earning this annual recognition gives our agency a dedicated Hagerty Account Executive and a direct line to Hagerty’s most senior service teams. Your requests bypass the general queue.

The Core Benefits of a Hagerty Policy

When you insure your collector vehicle through our Hagerty partnership, your policy includes specialized coverages designed specifically for automotive enthusiasts:

Guaranteed Value® Coverage

You and your agent agree on your vehicle’s true market value upfront. In the event of a covered total loss, Hagerty pays that agreed amount in full, with zero depreciation deducted and all applicable taxes and fees included.

No Fixed Mileage Restrictions

Hagerty policies are built for real drivers. The guidelines allow for occasional pleasure use, including club events, weekend cruises, local tours, and casual errands, without forcing you into a restrictive, hard mileage cap.

Collector Roadside Assistance

Every policy offers access to Hagerty Drivers Club® roadside service. This includes guaranteed flatbed towing configured specifically for low-clearance classic vehicles, real-time truck tracking, and specialized dispatchers who understand vintage cars.

Vehicle Under Construction & Spare Parts Protection

• Spare Parts: Your policy automatically includes up to $750 of coverage for spare parts.
• Restorations: If your vehicle is undergoing an active restoration, Vehicle Under Construction coverage can automatically scale your Guaranteed Value upward as work progresses.

The Top Gear Advantage: Why the Broker Matters

Most traditional insurance agencies place a specialty policy and step away. As a multi-year Top Gear Agent, Classic Auto Insurance acts as your active advocate throughout the life of your policy:

• Rapid Underwriting Answers: Our direct line to senior Hagerty underwriters means complex or unique vehicle modifications get reviewed and approved in hours, not days.
• Valuation Accuracy: We utilize our deep, historic market data and Hagerty Valuation Tools to ensure your vehicle is neither underinsured nor over-covered.
• Active Claims Advocacy: If you experience a loss, you aren’t left to handle it alone. We know the Hagerty claims workflow intimately and work alongside their adjusters to expedite your payout or repairs.

Approved Vehicle Types

Hagerty’s underwriting appetite spans the entire automotive spectrum, including:

• Classic and Antique Cars (Pre-War through the 1970s)
• Muscle Cars, Hot Rods, and Custom Builds
• Modern Exotics and “Modern Classics”
• Collector Trucks and Vintage SUVs
• Vehicles actively undergoing restoration
• Antique Tractors and Historic Military Vehicles

Hagerty Coverage Explained 

What does Hagerty Top Gear Agent® status actually mean?

It is an elite designation awarded annually by Hagerty to a small percentage of its top independent insurance brokers. It recognizes agencies that demonstrate superior knowledge of the collector car market and maintain exceptional client retention. It grants the agency priority service queues and a dedicated corporate account executive to benefit their clients.

How does Guaranteed Value® coverage differ from standard auto insurance?

Standard auto insurance pays out on an Actual Cash Value (ACV) basis, which factors in heavy depreciation at the time of a loss. Hagerty’s Guaranteed Value is an agreed-value framework. The total payout amount is locked in when the policy is written, ensuring you receive the full agreed sum without depreciation if a total loss occurs.

Can I drive my classic car normally, or is it restricted to car shows?

You can absolutely drive your car. Hagerty policies encourage occasional pleasure driving, cruises, club events, and hobbyist activities. While it cannot be used as a primary daily commuter vehicle or a commercial transport, it does not carry a rigid, fixed annual mileage limit.

Does Hagerty insure newer enthusiast cars?

Yes. The “Modern Classic” segment, consisting of enthusiast vehicles from the 1990s, 2000s, and even select newer limited-production models, is one of Hagerty’s fastest-growing segments. If a vehicle is maintained as a collectible or weekend hobby car, it likely qualifies regardless of age.

What is Cherished Salvage® coverage?

Cherished Salvage is an optional endorsement that allows you to retain ownership of your vehicle after a covered total loss while still receiving your full Guaranteed Value payout, minus any applicable deductible. This is highly valued by enthusiasts who wish to salvage rare parts or rebuild the vehicle.

Request a Tailored Hagerty Quote

Ensure your investment is backed by deep, longstanding carrier expertise. Contact Classic Auto Insurance today, and our team will build your custom quote directly through our premier Hagerty program access.

Legal Disclaimers & Trademarks

Hagerty, Hagerty Drivers Club, Guaranteed Value, Cherished Salvage, and Top Gear Agent are registered trademarks of The Hagerty Group, LLC. Coverage is subject to policy provisions, exclusions, and endorsements, is not available in all states, and is subject to Hagerty’s final underwriting review and risk acceptance. Classic Auto Insurance is an independent insurance agency and is not itself the underwriter of these policies.