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Hagerty Insurance is famous and reputable for providing insurance to a wide group of individuals that are wanting the right insurance protection. At Athena Insurance and Financial Services we are proud to offer Hagerty Insurance for the following:

  1. Antique Cars
  2. Classic Cars
  3. Classic Trucks
  4. Classic Utility Trailers
  5. Motorsports Insurance
  6. Classic Military Vehicles
  7. 1980 or new collector Vehicles
  8. Retired Commercial Vehicles
  9. Collector Trailers

Antique Cars

Hagerty broadly defines antique or classic vehicles as stock vehicles built from the turn of the century through 1979. To qualify for the insurance program, vehicles 1979 and older must meet the following requirements:

  • Usage and Mileage

    Our policy allows the collector vehicle to be used for club functions, exhibitions, organized meets, tours and even occasional pleasure driving (includes driving to work or errands less than 20 times per year) — it just can’t be a daily driver. Driving to work or errands between 20-60 times a year may be considered in some states.

  • Freedom to Enjoy Your ClassicUsage and mileage requirements may differ based on the vehicle that is being insured, such as collector trucks or vehicles that are 1980 and newer. Please review specific vehicle guidelines for this information.

    Mileage of 3,500 or less is generally consistent with operating vehicles that have collectible value. Mileage up to 7,500 may be considered in some states.

  • Garaged Car

    Storage

    Collector vehicles generally must be stored in a private, enclosed, secure structure when not in use. Appropriate storage examples include:

    • Private residential garages
    • Private pole building or barns
    • Rental storage units
  • Carports may be considered in all states except AK, CA, FL or HI
    • Must not be within 100 miles of the coast in TX, LA, MS, AL, GA, SC or NC
    • Vehicle value must not exceed $30,000
    • Motorcycles and some modified vehicles are not eligible if stored in a carport
  • Parking Garages may be considered in all states except AK, CA or HI
    • Must have 24 hour security such as an alarm system, guard or video surveillance
    • Must be limited access (not for public use)
    • Assigned parking spaces are preferable
  • Car hauling trailers and other enclosed structures may be considered in all states except AK, CA or HI
    • Must be anchored to a stationary object and/or located in a secure location
    • The value of the collector vehicle(s) stored inside should not exceed $50,000
    • Collector vehicle(s) valued at more than $50,000, the trailer must also be stored inside (warehouse, airplane hangar, pole building, etc.)
  • Vehicles kept in driveways may be considered in all states except AK, CA, CO, FL, HI or KS
    • Must not be within 100 miles of the coast in TX, LA, MS, AL, GA, SC or NC
    • Vehicle value must not exceed $30,000
    • Motorcycles and some modified vehicles are not eligible if stored in a driveway
  • Unacceptable storage includes:

    • Temporary storage facilities assembled of canvas or plastic (i.e. tents, domes or igloos)
    • Streets
    • Parking lots
    • Public parking garages
  • Driver Eligibility

    In most states, we can’t offer coverage to drivers with a serious infraction. Serious infractions include:

    • Alcohol-related offenses
    • Reckless driving
    • Excessive speed violations

    All household driving records are subject to underwriter review. Generally one or two minor violations or accidents are acceptable.

    California Guidelines:

    Please note:  A Named Driver Exclusion is available in your selected state and can be used when driving records or claims history would otherwise disqualify the risk.   We cannot exclude the named insured or any other person who is listed on the title or registration of the vehicle(s).

  • Vehicles That May Not Qualify

    Because we provide low-cost, Guaranteed Value coverage, we are not able to provide coverage for certain vehicles due to how they are used and the increased risk associated. Examples of vehicles not eligible include:

    Thumbs Down/Thumbs Up

    • Camping, off-road, or utility-type vehicles
    • Vehicles driven on a daily basis
    • Commercial-use vehicles
    • Motorcycles with performance modifications
    • Any vehicle modified with nitrous components
    • Dune buggies

    Please Note: Hagerty differs from standard insurance in that we don’t have a price for every risk. We determine eligibility based upon the accumulation of all risk characteristics related to our program guidelines.

  • Coverage Limits

    Hagerty can offer liability limits less than or equal to the limits carried on the Personal Auto Policy (PAP).

    We can consider Business Auto Policies. However, the maximum limits we will offer are $100/$300 liability and state minimum limits for UM/UIM. We can consider higher limits when there is a Drive Other Car (DOC) or Individual Named Insured (INI) endorsement attached. Exception: The maximum limits we will offer in GA, KS, MN, NY, NC and NH are state minimum limits. A copy of the BAP and DOC/INI endorsement (if applicable) are required.

    Umbrella liability limit requirements can also be met, except in GA, KS, MN, NY, NC and NH. Proof of the umbrella requirement is required.

  • Double Cars

    Daily Use Vehicles

    • All household members with a valid driver’s license must have a vehicle to drive on a daily basis
    • Clients with less than one daily use vehicle per driver may be considered when insuring a 1979 and older vehicle in some states
    • The daily use vehicle should be reliable
    • Motorcycles and public transportation are not considered viable daily use vehicles by our program in most cases (contact us for details)
    • Applicants must also maintain daily use insurance in their own names
All coverage not available in all states. This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.

CLASSIC TRUCKS, SUVS AND JEEPS

Showing regional guidelines for

  • Your  love for trucks and SUVs only grows over time. And if it’s a classic, so does its value. It’s up to you to protect that pride and joy. It’s never been easier, with custom coverage designed –and priced– for these treasured classics. To qualify for our program, trucks and utility vehicles must meet the following requirements:

  • Stock

    • 1995 and older
    • Minimum value for 1972 and older is $3,500
    • Minimum value for 1973-1989 is $5,000
    • Minimum value for 1990-1995 is $10,000
    • Vehicles cannot be used for camping
    • Vehicles should not be used regularly for towing and hauling; however, we can consider limited towing and hauling up to 20 times per year 
  • Modified

    • 1995 and older
    • Minimum value for 1972 and older is $3,500
    • Minimum value for 1973-1989 is $5,000
    • Minimum value for 1990-1995 is $7,500
    • Extreme off-road modifications such as brush guards, roll bars, tool boxes and lift kits with large off-road tires will not be accepted
    • Vehicles cannot be used for camping
    • Vehicles should not be used regularly for towing and hauling; however, we can consider limited towing and hauling up to 20 times per year

     

MOTORSPORTS INSURANCE

Showing regional guidelines for

  • Hagerty’s program provides off-track coverage for vintage race cars, nostalgia dragsters, pro-street, and modern, high-quality racing vehicles.

    Coverage does not apply when the vehicle is racing. Other Than Collision coverage applies everywhere but while the vehicle is racing, including during storage and transportation. Collision coverage applies while the car is being loaded and unloaded onto the trailer, during transportation, while the car is being driven to the paddock and while in the paddock. Full coverage is available for some street legal cars in some states.

  • Vintage Race Cars

    To qualify for our program, vintage race cars must meet the following:

    • Minimum value is $10,000
    • Modified vintage race cars are 1999 and older
    • Applicant and drivers must have 10 years driving experience
    • For vintage racers 1990 and newer: the vehicle age guidelines must be met, no more than two violations/claims per household, excellent condition and should not be financed or leased
  • Examples:

    • Vehicle 1
    • Vehicle 2
    • Vehicle 3
  • Nostalgia Dragsters

    To qualify for our program, nostalgia dragsters must meet the following:

    • 1999 and older
    • Minimum value is $10,000
    • Vehicle must be in very good or better condition
    • Applicant and drivers must have 10 years driving experience
    • No professional racing teams
    • Racing usage should generally not exceed 10 races per year
  • Examples:

    • Vehicle 4
    • Vehicle 5
  • Pro-street

    Pro-street cars are generally from the 1960s or ‘70s and have been modified primarily for straight-line speed. Common modifications include roll cages, tubbed rear wheel-wells to accommodate wide racing-type tires, five-point racing harnesses, lightened interiors with racing seats, wheelie casters, parachutes and power adding features to engine. Hagerty considers a vehicle to be pro-street when it is tubbed AND caged. To qualify for our program, pro-street cars must meet the following:

    • Vehicle must be street legal in order to provide full coverage
    • 1989 and older
    • Minimum value is $20,000
    • Vehicle must be in very good or better condition
    • Applicant and drivers must have 10 years driving experience
    • Named Driver Exclusions will be applied to any youthful household members (age 26 or less). If a Named Driver Exclusion is not available in your client’s state, we are unable to offer a policy.
    • Vehicles with more than 700hp will not be written with liability coverage

    Due to the unique risk these vehicles present, please contact our office with any questions

  • Examples:

    • Vehicle 6
    • Vehicle 7
    • Vehicle 8
  • State coverage limitations include:

    • FL: Additional or extended PIP will not be offered
    • KS, NC & NY: Only comprehensive and limited trailer/paddock collision is available
    • TX: PIP, Uninsured Motorist BI and Uninsured Motorist PD must be rejected
    • VA: Only comprehensive and collision coverage is available

 

ANTIQUE TRACTORS

Antique tractor collectors comprise a small but very enthusiastic segment of the collector vehicle hobby. To qualify for our program, tractors must meet the following requirements:

  • 1989 and older
  • Must be in good condition unless under active restoration
  • Minimum value is $2,000
  • Not used for farming or utility use
  • “Tractor pulls” at the county fair are acceptable for stock tractors
  • 1941 John Deere H
    1941 John Deere H
  • 1961 Porsche 217
    1961 Porsche 217
  • 1939 Ford 9N Tractor
    1939 Ford 9N Tractor

MODIFIED VEHICLES

The degree to which your client’s vehicle is modified and the types of modifications determine whether it fits our program.

Modified vehicles can include the following:

Vehicles modified with any nitrous components do not fit our program.

Examples:

  • Custom paint job
    Custom paint job
  • Vehicle modification
    Vehicle modification
  • Engine enhancement
    Engine enhancement

Replicas

Replicas should duplicate vehicles that are no longer in production, such as ‘50s Porsche Speedsters or ‘20s Mercedes Benz Roadsters. Because the quality of these vehicles’ construction can vary greatly, we may require additional documentation of the vehicle’s condition prior to offering a policy. To qualify for our program, replicas must meet the following requirements:

  • Minimum value is $5,000
  • Minimum value is $35,000 for Shelby Cobra replicas (because of the power and performance these replicas may have, additional underwriting criteria may apply)

Examples:

  • 1980 Shay Model A
    1980 Shay Model A
  • 1955 Porsche Speedster
    1955 Porsche Speedster
  • 2003 Auburn Speedster
    2003 Auburn Speedster

Other modified vehicles, such as lowriders and tuners, must meet additional underwriting criteria.

Lowriders

Lowriders are vehicles that use hydraulic and air suspension to lower or bounce the car. To qualify for our program, lowriders must meet the following requirements:

  • Minimum value is $15,000
  • Households with more than one minor violation or claim in the last 3 years will not be considered. State exceptions may apply as required by law.
  • Vehicle must be kept in an enclosed and secure garage at residence
  • Photos of the garage are required prior to offering coverage
  • Usage must not exceed 2,500 miles per year and include hobby related events
  • Lowriders under construction will not be considered until they are complete
  • Those with a value of $50,000 or more require an appraisal
  • Those with a value of $20,000 or more must have one of the following active (proof required) anti-theft tracking devices: LoJack, factory OnStar, Brickhouse Security HCT Pro Plus or Escort Entourage CIS
  • Values between $15,000 and $50,000 require a minimum $1,500 comprehensive and collision deductible and lowriders valued over $50,000 require a minimum deductible of $2,500
  • Bounced vehicles can be considered in all states except NY.

Examples:

  • 1962 Buick LeSabre
    1962 Buick LeSabre
  • 1964 Chevrolet Impala SS
    1964 Chevrolet Impala SS
  • 1990’s GMC Suburban
    1990’s GMC Suburban

Tuners

Tuners are generally Asian or European manufactured sport compact vehicles that are highly customized for looks and/or performance. These vehicles are usually 1990 and newer. Typical modifications include tuned engines, body kits, carbon fiber, custom paint, wheels, and interiors featuring elaborate stereo equipment, TVs, video game systems, etc. To qualify for our program, tuners must meet the following requirements:

  • Minimum value is $30,000
  • Households with more than one minor violation or claim in the last 3 years will not be considered (state exceptions may apply as required by law)
  • Vehicle must be kept in an enclosed and secure garage at residence
  • Photos of the garage are required prior to offering coverage
  • Usage must not exceed 2,500 miles per year and include hobby related events
  • Racing usage is not acceptable
  • Daily use vehicles should be 5 years old or newer and in excellent condition
  • Tuners under construction will not be considered until they are complete
  • Those with a value of $50,000 or more require an appraisal
  • Those with a value of $50,000 or more must have one of the following active (proof required) anti-theft tracking devices: LoJack, factory OnStar, Brickhouse Security HCT Pro Plus or Escort Entourage CIS
  • Tuners valued $30,000-$50,000 require a minimum $1,500 comprehensive and collision deductible and tuners valued over $50,000 require a minimum deductible of $2,500

Examples:

  • 1989 Ford Probe GT
    1989 Ford Probe GT
  • 1999 Toyota Mark II
    1999 Toyota Mark II
  • 2000 Mitsubishi Eclipse
    2000 Mitsubishi Eclipse