Classic and Collector Car Insurance

Classic and collector car insurance is made for vehicles that are more than everyday transportation, from vintage classics and muscle cars to hot rods and other collectibles. The defining feature is agreed value coverage: rather than depreciating your car like a standard auto policy, you and the carrier agree on its value up front, so a covered total loss pays that agreed amount.

A standard auto policy values your car at actual cash value, which depreciates over time and rarely reflects what a well-kept classic is truly worth. Collector car policies protect the real value of your investment, often at a lower premium than a regular policy because these vehicles are driven less and cared for more. They also tend to include benefits enthusiasts appreciate, like specialized repair and towing.

What agreed value best reflects your vehicle's worth today? How many miles do you drive it each year, and is it stored securely? Do you need coverage for spare parts or a vehicle under restoration? Would adding the collector car to your existing policies earn a bundling discount? Ask us and we'll match the coverage to how you actually use it.