Hagerty Classic Insurance for the Ur quattro

When you own an iconic classic car like our Audi Club North America Spring Sweepstakes Grand Prize 1985 ur quattro, proper insurance is a very important part of the experience. Values of classics, especially so-called “rad era” 80s cars are most definitely on the rise, and the Audi quattro is definitely subject to these increasing valuations. To insure we were covered to the extent we needed, we turned to classic car insurance provider Hagerty.

Where once Hagerty was just a leader in classic car insurance, the brand is quickly positioning itself as synonymous with a much broader commitment to preserving of the automotive hobby. Insurance is just the start, now operating their Hagerty Driver’s Club with associated magazine, the classic car peer-to-peer DriveShare app platform, the event registration platform MotorsportReg, notable events such as The Amelia Island Concours and now brick and mortar Garage + Social facilities for car storage and car enthusiasts. Hagerty’s brand growth and diversification has been most impressive, though it’s their original offering of classic car insurance that grabbed our attention early on in our temporary ownership of this 1985 quattro.

Why Hagerty versus the same insurance company one might use for a daily driver? While insuring a classic car may seem largely the same as insuring a daily use car, that’s not really the case. For starters, their proficiency in the space means they have a much more accurate read on vintage car values. Asking a traditional car insurance  provider the value of a 1985 car and you’ll likely find it’s undervalued, meaning should an accident happen then the car is more likely to be written off and totaled. And as if the thought of that happening to your classic isn’t bad enough, a lower valuation means the payout in such a case likely wouldn’t afford you a replacement in this price-growth centric market even if you could find one.

Even better, agreed-upon values are something very familiar to Hagerty. You set the price you see your car as worth and they’ll insure it. While you may be even ahead of the high-growth market in your expectations, Hagerty is willing to adjust for that and can adjust with associated adjustable premium in their app or user login area of their website. And when they see the market changing, they’ll even send you suggestions for adjustment when they spot a trend.

Since our quattro is currently owned by Audi Club, its insurance is about to switch to a corporate policy so we can register it for the road to prepare for the brief moments it must be driven during its stay with us. Initially though, when we first purchased the car, we wanted to get it under a policy quickly and so added it to the personal policy of our Executive Director who has four vintage cars insured with Hagerty. This brief pivot until we got the corporate insurance policy in place gave us an experience more like a typical owner might get.

Since classics insured with Hagerty need to be securely stored inside and not be daily drivers, experienced owners of classics will tell you that it is with multi-car policies where you save money. The first couple of cars are where the real cost is, then adding more cars such as this being the fifth on this particular policy, the addition of another becomes a very reasonable proposition.

Another advantage of Hagerty for Audi Club North America members is a 5% discount benefit on insurance. The discount hadn’t yet been applied to this particular policy, so the quattro was added with value set to the acquisition price at the same time the Audi Club discount was applied. Here’s where the power of the multi-car discount really appeared, as adding this fifth car to the policy and the Audi Club discount at the same time saw the total price of the policy actually go down!

By the time you read this, the car will have been moved to the more necessary corporate policy so that we can get it properly titled, but we definitely felt it worth sharing this very positive experience with Hagerty.

MORE INFORMATION: HAGERTY.COM

ENTER TO WIN THIS 1985 QUATTRO 20V IN THE AUDI CLUB SPRING 2022 SWEEPSTAKES HERE.