My only experience with Hagerty, who has insured my Suburban for over 10 years, is after I bought/shipped a 1954 3104 pickup with Hydra-Matic transmission from Oregon to NJ.
The truck was not exactly as described: it had very bad/unsafe brakes and the steering was so loose I could barely keep it going straight. Starting fluid was needed to start the engine (hot or cold engine, I was told).
The engine started and I took off for the 140 mile trip north to my home near Albany, NY (followed by the friend who drove me to NJ). After about 20 miles in 5pm NJ traffic, we stopped for gas. Big Mistake - I should not have turned off the engine, but, NJ law required that it be turned off.
The truck would not start.
I had bought Hagerty Insurance with the Hagerty Plus add-on (now called the High Octane level policy) - up to three free 150 mile road-service transports on a flat-bed truck.
All I needed to get the insurance was to email Hagerty a bill-of-sale and 4 photos of the old, beat-up pickup (to add the pickup to my Suburban's policy).
Hagerty arranged for a flat-bed carrier truck to come to my assistance. I had told Hagerty that my "new" pickup was supposedly hard to start, and that I'd like them to first try to jump start the engine.
The flatbed truck arrived within 30 minutes. The driver was quite willing to try a 12v jump-start on the old 6v 235. After about 4 attempts, the truck started and I drove it 120 miles home in 2 degree temperature.
That road-service coverage covers all vehicles in the household and any driver driving any of the vehicles.
This is why I have not changed to State Farm Insurance - I have had excellent experience with State Farm and they now cover antigue/collector vehicles (non-hot-rod, hopped-up, or significantly modified vehicles). Their pricing is better than Hagerty but State Farm only tows to the nearest service station.
We do not have family AAA membership because Hagerty's road service is more inclusive and more extensive.
