Protecting Automotive History
Classic & Collector Car Insurance
Specialized insurance for classic cars, antiques, exotics, and collector vehicles. Get agreed value coverage that truly protects your automotive investment.
Classic Car Insurance Coverage Options
Your classic deserves more than standard auto insurance. Our specialized coverage options are designed specifically for collector vehicles and their unique needs.
Agreed Value Coverage
Get paid the full agreed amount with no depreciation in case of total loss
- No depreciation deductions
- Guaranteed payout amount
- Annual value reviews
- Professional appraisals
Comprehensive & Collision
Complete protection for your investment from all types of damage
- Accident coverage
- Weather damage
- Vandalism protection
- Glass breakage
Spare Parts Coverage
Protection for your collection of spare parts and tools
- Original parts coverage
- Tools and equipment
- Parts in storage
- Restoration supplies
Car Show Medical
Medical payments for injuries at car shows and events
- Event injury coverage
- Spectator protection
- No-fault medical
- Exhibition coverage
Flatbed Towing
Specialized towing designed for classic and exotic vehicles
- Flatbed only service
- Long-distance towing
- Covered storage
- Expert handlers
Trip Interruption
Coverage for lodging and transport if your classic breaks down
- Hotel reimbursement
- Rental car coverage
- Meal expenses
- Return transportation
Classic & Collector Vehicles We Insure
From American muscle to European exotics, we have the expertise to properly insure your prized vehicles.
Classic Cars (25+ Years)
- Muscle Cars
- Vintage Sports Cars
- Classic Sedans
- Station Wagons
Antique Vehicles (45+ Years)
- Pre-War Classics
- Brass Era Cars
- Vintage Trucks
- Historic Military
Exotic & Luxury
- Supercars
- Limited Production
- High-End Luxury
- Modern Classics
Custom & Modified
- Street Rods
- Restomods
- Pro Touring
- Custom Builds
Special Interest
- Future Classics
- Low Production
- Celebrity Owned
- Racing Heritage
Motorcycles
- Vintage Bikes
- Classic Cruisers
- Cafe Racers
- Antique Motorcycles
Benefits of Specialized Classic Car Insurance
Lower Premiums
Classic car insurance costs 40-60% less than regular auto insurance due to limited use and careful ownership
Specialized Claims
Claims adjusters who understand classic cars and use qualified repair shops familiar with vintage vehicles
Flexible Coverage
Customize your policy with the exact coverage you need, from basic liability to full comprehensive
Event Coverage
Automatic coverage at car shows, parades, and club events without additional fees
Classic Car Insurance Requirements
To qualify for classic car insurance rates, vehicles and owners typically need to meet these criteria.
Limited Use
Most policies require pleasure use only with annual mileage limits
Secure Storage
Vehicles must be garaged or stored in an enclosed, locked facility
Regular-Use Vehicle
You must have a daily driver insured for regular transportation
Clean Driving Record
Better rates for drivers with excellent driving histories
Age Requirements
Some carriers require drivers to be 25 or older
Vehicle Condition
Well-maintained or restored vehicles in good condition
Ready to Protect Your Classic?
Get an agreed value quote from carriers who understand and appreciate classic cars. Our specialists will find the perfect coverage for your collection.
Classic Car Insurance Questions
What's the difference between agreed value and actual cash value?
Agreed value means you and the insurer agree on your car's worth upfront, and that's what you'll receive in a total loss. Actual cash value deducts depreciation, which can significantly reduce your payout. Classic cars typically appreciate, making agreed value essential.
Can I drive my classic car to work occasionally?
Most classic car policies restrict regular commuting but allow occasional pleasure driving to work (like once a month). Some carriers offer limited commute options. We'll find a policy that matches your intended use.
How many miles can I drive per year?
Annual mileage limits typically range from 1,000 to 7,500 miles, with some policies offering unlimited pleasure use. Higher mileage allowances are available but may increase premiums. Track your usage to choose the right limit.
Do I need an appraisal for coverage?
It depends on the vehicle's value and the insurance carrier. Many insurers require professional appraisals for vehicles over $50,000 or for highly modified cars. Photos and documentation of restoration work help establish value.
Can I work on my car while it's insured?
Yes, most policies cover vehicles under restoration. However, you should notify your insurer about major work. Some carriers offer special restoration coverage that protects parts and the vehicle during the rebuild process.