Material excerpted from – Daily Driver Insurance
No one knows classic cars and their owners better than Hometown. We know how you treat your classic, what it means to you, and the lengths you will go to protect it. We have a few options to offer our customers when it comes to Classic Auto so that we can find what works best for you and your classic! We offer Hagerty, American Collectors, JC Taylor, Grundy, and Safeco/Liberty Mutual.
We can offer classic car insurance and other great resources just for drivers like you—people who love classics as much as we do. Here is how we do it:
Lower premiums than daily driver insurance
We understand your classic car is a prized possession that will be driven sparingly and with great caution, so premiums are adjusted accordingly—up to 34% lower on average than daily driver insurance.*
Daily driver insurance policies may rate your classic as if it is a regular use vehicle—you will be charged as if you are driving the vehicle daily.
Guaranteed Value coverage
You tell us the value of your classic and we will affirm that it is a fair, accurate number. Then, we guarantee that value will be paid to you in the event of a total covered loss… period.
Regular car insurance carriers offer “actual cash value” or “stated value” coverage, which may depreciate your vehicle in the event of a claim, resulting in a smaller payout than you anticipate.
Cars are made to be driven. A policy through Hometown allows you flexible usage. You have the freedom of weekend cruising and more.
Even if you have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when your classic is driven.
Knowledgeable service and exceptional claims handling
We at Hometown offer Hagerty, where all employees and claims adjusters receive classic car training. We know how to value and rate your classic from the start, recommending coverage specifically for how you use it. Should you have a claim, our in-house adjusters are skilled in understanding the intricacies of classic car repair and can source high-quality replacement parts in a jiffy.
A regular car insurance carrier may not be able to source original parts from your car’s maker, instead using only aftermarket parts. They may also depreciate the vehicle’s value in the event of a claim, leaving you with a car that is a shell of its former self.
Hometown can offer Hagerty, where they have a Drivers Club
Drivers Club is the ultimate experience for people who love cars. Members enjoy unlimited service events for the guaranteed flatbed towing with soft straps, battery jumps, lockouts, and more, in addition to exclusive automotive discounts, members-only events, Hagerty magazine, and premium access to Hagerty Valuation Tools—all at a great value. Regular car insurance roadside coverage may not be offered or may not be able to guarantee a flatbed tow truck that can handle your classic with proper care.
Industry-leading valuation expertise
Access to our team of valuation experts and tools will help you make the most informed choices on buying or selling—and insuring—your classic cars. Take full advantage of our comprehensive tools and resources to assess values and trends in the classic car market.
Regular car insurance carriers may not understand the factors determining a classic’s value (condition, market demand, scarcity, provenance, etc.), which may affect whether your classic is insured properly or how much you are paid in the event of a claim.
We care about the future
We want you to enjoy your collection well into the future, so we support the hobby through programs like the RPM Foundation, the Historic Vehicle Association, and Hagerty’s hands-on Youth Programs.
The protection of your classic vehicle is important, call us today for a policy review at
1-800-568-SAVE (7283) or email us at: firstname.lastname@example.org.
Hometown is here for you!