American Collectors Insurance vs Hagerty


American Collectors Insurance and Hagerty are both companies that specialize in providing insurance coverage for collectors of classic cars, antique vehicles, and other unique automobiles. Both offer a range of policies tailored to the needs of car enthusiasts who want to protect their investments from theft, damage or accidents. However, there may be differences between them with regards to pricing, features and benefits offered as well as specific policy terms. Ultimately, it is important for each collector to compare options carefully before selecting an insurer so they can find coverage that best meets their individual needs.

Comparison of Coverage Options: American Collectors Insurance vs Hagerty

If you own a classic or collectible car, it’s important to have insurance coverage that protects your investment. But with so many options out there, how do you choose the best one? Two of the most popular choices are American Collectors Insurance and Hagerty.

Let’s take a closer look at their coverage options and see which one might be right for you.

First up is American Collectors Insurance (ACI). This company has been around since 1976 and specializes in providing insurance for collector cars, vintage boats, and antique motorcycles. They offer two main types of policies: agreed value and stated value.

An agreed value policy means that if your car is totaled or stolen, you’ll receive the full amount that was previously agreed upon by both parties – no questions asked. Stated value offers more flexibility but may also come with some restrictions depending on where you live.

One thing to keep in mind about ACI is that they require regular use of your vehicle – either driving it to shows or taking it out for pleasure drives. If your car sits in storage most of the time, this might not be the best option for you.

Next up is Hagerty. Like ACI, Hagerty specializes in insuring classic cars but also covers modern classics as well as boats and motorcycles. They offer an “agreed upon” policy similar to what ACI does; however, they will cover cars even when they aren’t being driven regularly (as long as they’re stored properly).

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Hagerty also has something called Guaranteed Value® Coverage which ensures that if anything happens to your car while under their protection then its true market worth will always be paid out – minus any deductible chosen beforehand by yourself during signup process – leaving peace-of-mind knowing exactly what’s covered should disaster strike!

Another big difference between these companies comes down to customer service. According to Consumer Affairs reviews from recent years indicate higher satisfaction ratings among customers who’ve used Hagerty versus ACI. Many of Hagerty’s reviewers praised the ease and speed of their claims process while some had issues with being constantly asked for additional documentation by ACI.

Ultimately, whether you choose American Collectors Insurance or Hagerty comes down to your needs and priorities as a car owner. If you’re looking for an insurance company that specializes in classic cars but also covers modern ones, then Hagerty might be the better choice for you – especially if customer service is important.

On the other hand, if regular use of your vehicle isn’t an issue and agreeable value policies are what matter most (along with lower deductibles), then American Collectors Insurance may be more up your alley since it offers this type coverage without restrictions on usage which may suit those who want to take their prized possessions out occasionally just like they did when first purchased.

Whichever way you go though we recommend finding multiple quotes from both companies so that any differences can be weighed appropriately before making a final decision on insuring sentimental vehicles properly!

Customer Reviews and Ratings: American Collectors Insurance vs Hagerty

Car enthusiasts and collectors know the importance of insuring their prized possessions. Choosing the right insurance company can be a daunting task, as there are many options available in the market. Two popular names that come to mind are American Collectors Insurance and Hagerty.

At first glance, both companies seem similar as they specialize in classic car insurance. However, when it comes to customer reviews and ratings, there seems to be a difference between them.

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American Collectors Insurance has an A+ rating with Better Business Bureau (BBB) while Hagerty has an A- rating. This means that American Collectors Insurance is considered more trustworthy by BBB than Hagerty.

When it comes to customer reviews on Trustpilot – one of the most trusted review sites online – American Collectors Insurance scores 4 out of 5 stars based on over 900 reviews while Hagerty scores slightly higher with a score of 4.3 out of 5 stars based on almost twice as many reviews at around 1,700.

Digging deeper into these reviews shows that customers who have gone through claims process or had minor interactions with the two insurers tend to rate them similarly or even favorably towards one another because both provide good service for small matters like policy changes but things start getting different when larger issues arise such as filing claims after accidents or natural disasters which is where differences emerge between ACI and HGE’s policies & procedures possibly due partly from geographical location considerations since each will likely have its own specific area(s) underwritten more heavily depending upon state laws governing coverage decisions made either directly by management teams themselves doing business analysis prior either being approved/declined by industry regulators thereafter so experiences vary greatly from case-to-case basis driven mostly by facts surrounding actual events themselves rather than corporate policies per se.

It’s worth noting also that some people believe Customer Service should play major role along side product itself; however others feel differently given how complicated products sometimes get in this industry. It’s definitely something to keep in mind when making a purchase decision.

Overall, both American Collectors Insurance and Hagerty offer good insurance coverage for classic cars but it seems that American Collectors Insurance has an edge over Hagerty based on its higher rating with BBB. However, the difference isn’t significant enough to justify choosing ACI over HGE if you’re looking solely at customer reviews and ratings from Trustpilot alone; you should consider other factors as well such as pricing or specific coverage needs before selecting one company over the other.

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Ultimately, what matters most is that your car insurance provider understands how much value your vehicle holds beyond just dollars & cents – being a collector’s item means more than mere monetary worth (though still important) since enthusiasts want their vehicles maintained properly not only mechanically but aesthetically too while also having peace-of-mind knowing they’re protected against any unforeseen problems which could arise down road. So whether it’s American Collectors Insurance or Hagerty, take some time to research before deciding on who will provide best protection for your prized possession!


1. What is the difference between American Collectors Insurance and Hagerty?

American Collectors Insurance and Hagerty are both insurance companies that specialize in classic car insurance. However, there are some differences in their coverage options, pricing, and customer service.

2. Which company has better reviews – American Collectors Insurance or Hagerty?

Both American Collectors Insurance and Hagerty have generally positive customer reviews online. However, depending on specific needs and preferences of each individual car owner, one may be a better fit than the other.


American Collectors Insurance and Hagerty are both providers of classic car insurance. While they offer similar coverage options, there are some differences to note. American Collectors Insurance offers a wider variety of policies beyond just classic cars, but Hagerty has more experience in the market and is often preferred by collectors. Ultimately, it’s important for individuals to compare quotes from both companies and choose the one that best fits their needs.