I have had good experience with Hagerty, when you compare with other insurance companies make sure you are comparing apples to apples. Hagerty allows you to use a guaranteed amount for your car, so if there is a total loss you would get that amount. Some companies base the value of the car on Actual Cash Valve (ACV), which is a depreciated value. In other words you may think you have a car worth $45,000.00 but if it is ACV you may only get a small portion of that amount once the depreciated is applied. Also look at the deductibles for "Other that Collision, and Collision". Hagerty has a "0" deductible, others may have $500.00
