I have had Hagerty for about 10 years now. The rates DO go up every year and I have never had a claim. I had some difficulty getting over 25K of coverage with them on my 62 Catalina SD clone. I did my best to explain that 25K would probably not cover the trim replacement in a serious accident. So it became a back and forth negotiation to get enough coverage on it. I do like their "restoration" policy that covers a car not on the road but in restoration. High limits for very low premiums because the car is not being driven. Based on what I read here though, I am going to shop my policies next year and see if I am getting ripped off.
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