Originally Posted by DKAwildcat

Hagerty’s premium initially appeared to be a lot less. When I updated the coverage online to match what I currently have with Travelers (minimum coverages required by an umbrella policy), I found that going with Hagerty would only save me $31 per year. The only benefit I can see going with Hagerty is the guaranteed payout less the deductible. I’m on the fence now as to whether to change or not.