Preserve automotive history

with solutions built for true collectors

Agreed-value coverage strategies meticulously engineered to safeguard your investment and passion project. Without depreciation.

Get My Quote

What Classifies a Classic Car?

  • Classic Cars

    Typically 20-30 years old, well-maintained, and historically significant. Built for weekend cruises and local car shows.

  • Exotic & Supercars

    Rare, high performance modern marvels and limited production foreign exotics that appreciate in value from day one.

  • Modified & Customs

    From custom hot rods to vintage muscle packed with modern powertrains. We protect the true cost of your builds and upgrades.

  • Antique Vehicles

    True historical treasures, usually 45+ years old and preserved in original or beautifully restored museum-grade condition.

Understanding Your Classic Car Coverage

Your classic vehicle deserves more than a standard, depreciating policy. Here is a clear look at how we protect your investment's true value, history, and craftsmanship.

  • Parts & Accessories

    What it does: Provides dedicated coverage for rare, hard-to-find components, original factory stock parts, and specialized tools.

    Why you need it: Finding a replacement tracking arm for a vintage Mercedes or an original carburetor can cost a fortune. This ensures you aren't paying out of pocket for the steep cost of authentic, period-correct parts.

  • Bodily Injury Liability

    What it does: Covers bodily injury and property damage to others if you are found at fault in an accident while driving your vehicle.

    Why you need it: Even if you only cruise on sunny Sundays, accidents can happen. This safeguards your personal assets and equity from catastrophic legal fees or lawsuits.

  • Uninsured & Underinsured

    What it does: Protects you if your classic car is hit or damaged by a driver who carries no insurance or doesn't have high enough limits to cover the damage.

    Why you need it: If a driver with a bare minimum liability policy hits your high value asset, their insurance won't cover the full cost of repairs. This step in protection ensures your investment is completely safe.

  • Comprehensive

    What it does: Covers damage to your vehicle from non-collision incidents, including theft, vandalism, fire, weather, and garage mishaps.

    Why you need it: Collector cars spend most of their lives parked. This ensures your vehicle is fully protected against garage fires, roof collapses, storm damage, or theft while in storage.

  • Collision

    What it does: Pays to repair your classic vehicle if it is damaged in an accident with another vehicle or object.

    Why you need it: Whether it's a minor fender bender at a local cars-and-coffee or a mishap on a weekend cruise, this covers the meticulous bodywork and specialized repair labor required to make it mint again.

  • Medical Payments (Medpay)

    What it does: Covers medical bills for you and your passenger if you are injured in an accident involving your collector vehicle, regardless of fault.

    Why you need it: Vintage cars often lack modern safety systems like crumple zones and airbags. This ensures immediate, hassle-free medical coverage is available for you and anyone riding shotgun.

  • Agreed Value

    What it does: Guarantees a fixed payout amount that you and the insurance carrier agree the vehicle is worth before the policy is active.

    Why you need it: Standard auto insurance only pays "Actual Cash Value," which factors in heavy depreciation. If your collector vehicle is totaled, Agreed Value ensures you receive the full, true market value without any depreciation or surprises.

  • Flexible Usage

    What it does: Allows you to enjoy your vehicle for pleasure drives, club events, cruises, and exhibitions without rigid, hyper-restrictive mileage limits.

    Why you need it: True collector insurance shouldn't lock your car away in a vault. This coverage gives you the freedom to stretch the vehicle's legs and take it to shows nationwide with total peace of mind.

  • Cherished Salvage Coverage

    What it does: Allows you to keep the physical remains of your vehicle after a total loss and still receive the full Agreed Value payout.

    Why you need it: To a collector, a totaled car isn't junk, it’s a goldmine of irreplaceable, numbers-matching original parts, custom bodywork, or sentimental history. Standard insurance takes the car to a scrap yard when they pay you out; this keeps the vehicle in your garage where it belongs.

  • Flatbed Towing & Roadside

    What it does: Guarantees that if your vehicle breaks down, it will be transported exclusively via a specialized flatbed tow truck.

    Why you need it: Classic drivetrains and low-clearance suspensions can be severely damaged by standard hook-and-chain tow trucks. This ensures your pride and joy is treated with white-glove care during a roadside emergency.

Bundle & Save

We’ll help make sure your coverage & discounts are working together.

LET'S REVIEW YOUR COVERAGE

  • BUILT AROUND YOU

    We design custom portfolios tailored to your specific lifestyle and risks, rather than forcing you into a cookie-cutter policy.

  • REAL SERVICE

    Skip the automated phone trees. Enjoy direct access to a local, trusted advisor who proactively manages your protection.

  • ZERO GUESSWORK

    Insurance shouldn't be a mystery. We break down the complexities, so you fully understand your coverages and exclusions.

  • REAL OPTIONS

    As an independent brokerage, we leverage our network of top carriers to secure premium protection at competitive rates.

01
Tell Us About Your Needs

02
Review Coverage Options

03
Choose Your Solution

Frequently Asked Classic Car Questions

  • Specialized classic car policies are designed for pleasure use, club events, cruises, and exhibitions rather than daily commuting to work or running standard errands. While there are flexible mileage options available depending on how often you like to stretch your vehicle's legs, the primary requirement across most nationwide carriers is that the vehicle isn't used as a primary, everyday driver.

  • Surprisingly, no! Because collector vehicles are meticulously maintained, driven less frequently, and stored securely, they represent a much lower risk to insurance companies. As a result, a specialized classic car policy is often significantly cheaper, sometimes up to 40% to 50% less compare to adding a collector vehicle to a standard daily-driver auto policy.

  • Most tier-one collector car carriers do require the vehicle to be stored in a fully enclosed, locked garage or a secure, permanent structure (like a residential garage, specialized storage unit, or private pole barn) when it's not on the road. This protects the vehicle's pristine condition from severe weather, vandalism, and theft.

  • Yes. To qualify for a specialized collector vehicle rate, almost all nationwide underwriting guidelines require that every licensed driver in your household has a regular, insured daily use vehicle for their standard commuting and day-to-day transportation needs.

  • Yes! Provided you carry Agreed Value coverage. Unlike standard auto policies that pay out a depreciated "Actual Cash Value" if a car is totaled, an Agreed Value policy locks in a guaranteed payout amount that you and the underwriter agree the vehicle is worth before the policy starts. If a total loss occurs, you get that exact amount, period.

  • Absolutely. Classic and collector car markets fluctuate constantly, and restorations or market demand can cause your vehicle to appreciate. We recommend reviewing your vehicle's value with us annually. We can easily submit documentation, receipts, or market evaluations to your carrier to adjust your Agreed Value upward so your policy always matches the current market.

SPEAK WITH AN AGENT