Grundy vs. Hagerty: Which Classic Car Insurance Company is Right for You

When it comes to insuring your prized classic car, you want to make sure you choose a reputable and reliable insurance company that has your best interests at heart. With so many options available, it can be challenging to narrow down your choices.

In this article, we will compare two leading classic car insurance companies, Grundy and Hagerty, to help you determine which one is the best fit for your treasured vehicle. We will analyze their coverage options, rates, discounts, claims process, customer service, and reputation based on customer satisfaction reviews.

So, let’s dive in and explore your options.

Grundy vs. Hagerty

Key Takeaways

  • Grundy and Hagerty are two leading classic car insurance companies.
  • Comparing their coverage options, rates, discounts, claims process, customer service, and reputation can help you make an informed decision.
  • Consider your specific needs, preferences, and budget to choose the insurance company that aligns best with your requirements.
  • Review customer satisfaction ratings and read reviews to get a better understanding of the experiences of others with each company.
  • Choosing the right classic car insurance company can ensure your treasured vehicle is adequately protected.

Grundy Classic Car Insurance

When it comes to classic car insurance, Grundy is one of the most popular providers in the market. They specialize in insuring antique, collector, and classic cars, providing coverage for vehicles that are at least 25 years old. They have been in business since 1947, and their reputation for exceptional service and comprehensive coverage has made them a go-to option for classic car enthusiasts.

Coverage OptionsRatesDiscounts
Grundy offers agreed value coverage, which means that you and the insurance company agree on the value of your classic car. This ensures that you will be fully compensated if your car is totaled or stolen. They also provide liability coverage, collision coverage, and comprehensive coverage.Grundy’s rates are competitive, and they factor in various aspects of your classic car, such as its age, model, make, and condition. Additionally, they offer flexible payment options to make the insurance process more convenient for their clients.Grundy provides a variety of discounts to their policyholders, including multi-car discounts, safe driver discounts, and anti-theft device discounts. They also offer discounts for policyholders who are members of certain classic car clubs.

Grundy’s claims process is straightforward and efficient, with policyholders reporting high levels of satisfaction with the way Grundy handles claims. Their customer service is also highly regarded, with many clients praising the knowledgeable and helpful staff.

Overall, Grundy is a reliable and reputable classic car insurance company that provides comprehensive coverage, competitive rates, and excellent service to their policyholders. Their emphasis on agreed value coverage and their extensive experience in the field make them a top choice for classic car enthusiasts.

Hagerty Classic Car Insurance

Now that we have explored the offerings of Grundy Classic Car Insurance, let’s turn our attention to Hagerty. As one of the premier classic car insurance companies in the United States, Hagerty has a reputation for providing excellent coverage and customer service to its policyholders.

Hagerty’s coverage options are similar to those offered by Grundy, with agreed value coverage and a range of deductibles available. However, one area where Hagerty stands out is in liability coverage. Hagerty offers up to $1 million in liability coverage, which can provide additional peace of mind if you are involved in an accident.

When it comes to rates, Hagerty tends to be slightly more expensive than Grundy. However, many customers believe that the extra cost is worth it for the additional coverage and customer service that Hagerty provides.

Like Grundy, Hagerty offers a range of discounts to policyholders. These include discounts for multiple vehicles, safety courses, and storage options. Hagerty also provides a loyalty discount for policyholders who have been with the company for a certain period of time.

When it comes to the claims process, Hagerty has a reputation for being prompt and efficient. Many customers report being able to easily file a claim and receiving fast and fair settlements. In terms of customer service, Hagerty consistently receives high marks from policyholders for their helpful and friendly representatives.

Overall, Hagerty is an excellent choice for those looking for comprehensive coverage and outstanding customer service. While their rates may be slightly higher than those of Grundy, many customers believe that the extra cost is well worth it for the added peace of mind.

Coverage Options and Rates

When it comes to classic car insurance, coverage options and rates are crucial factors to consider. Grundy and Hagerty both provide comprehensive coverage options, with various add-ons to tailor your policy to your specific needs.

Insurance CompanyCoverage OptionsRates
GrundyGrundy offers agreed value coverage, which means you and your insurance provider agree on the value of your classic car and ensure that you receive that amount in case of theft or damage. This coverage also includes liability limits, roadside service, and no deductible for any damage to your car during covered events.Grundy’s rates are dependent on several factors, including the age, make, and model of your classic car, as well as the value and usage of the vehicle.
HagertyHagerty provides agreed value coverage, and you can select from several add-ons, including spare parts coverage, travel and event interruption coverage, and pet injury coverage. They also offer liability limits, a guaranteed value policy, and no deductible for any covered damages to your classic car.Hagerty’s rates are also based on factors such as vehicle usage, value, and age, as well as your driving record and location.

Although both Grundy and Hagerty provide agreed value coverage and similar add-ons, there are some differences in their coverage options. Grundy’s coverage may be more straightforward, while Hagerty offers more add-ons to tailor your policy to your unique needs.

When it comes to rates, the cost will depend on the specific details of your vehicle and your policy. It’s important to obtain quotes from both insurance providers to compare rates and coverage options. Grundy and Hagerty both offer online quotes that are quick and easy to obtain.

Discounts, Claims, and Customer Service

When it comes to classic car insurance, discounts, claims, and customer service are essential factors to consider. Grundy and Hagerty both offer a range of discounts to policyholders. Grundy provides discounts for multi-car policies, higher deductibles, and safety features, while Hagerty offers discounts for policy bundling, driving courses, and car club memberships.

In terms of filing and settling claims, both Grundy and Hagerty have a reputation for excellent claims handling. Customers report that both companies make the process of filing claims simple and straightforward, and that they are responsive and efficient in settling claims.

As for customer service, Grundy and Hagerty are both highly regarded by policyholders. Both companies have a reputation for being friendly, helpful, and responsive when customers reach out for assistance or have questions about their policy. However, Grundy’s customer service reportedly stands out for its personalized service, with many customers stating that they feel like their classic car is in good hands with Grundy.

“I’ve been with Grundy for several years now and have had nothing but great experiences with their customer service. They’re always friendly and helpful, and I feel confident that my classic car is in good hands.”

Based on reviews and overall reputation, it’s clear that both Grundy and Hagerty provide excellent discounts, claims handling, and customer service. However, Grundy’s personalized service may be a deciding factor for those looking for a more individualized experience. Ultimately, it’s important to review all factors and consider your specific needs when choosing the best classic car insurance company for you.


After conducting a thorough comparison of Grundy and Hagerty, we have determined that both companies have their strengths and weaknesses when it comes to classic car insurance. Therefore, it is important to consider your specific needs, preferences, and budget before making a decision.

When comparing coverage options and rates, both companies offer competitive policies with various add-ons and benefits. However, Grundy’s policies tend to be more expensive than Hagerty’s. Additionally, Grundy only offers agreed value coverage, while Hagerty provides agreed value or stated value coverage, giving policyholders more flexibility.

Both Grundy and Hagerty offer discounts to policyholders, but the eligibility and amount of discounts vary. Grundy provides discounts for multi-car policies and accident-free driving, while Hagerty offers discounts for safety courses, car club memberships, and low mileage.

Regarding claims and customer service, both companies have positive reviews from policyholders. However, Hagerty has a higher customer satisfaction rating and reputation for exceptional customer service.

To make an informed decision, we recommend reviewing customer satisfaction ratings and reading reviews for both companies. Ultimately, the choice between Grundy and Hagerty will depend on your specific needs and preferences as a classic car owner.

Thank you for reading our comparison of Grundy vs. Hagerty classic car insurance. We hope this article has been helpful in making a decision about which company is the best fit for your treasured vehicle.

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