COVERAGE FOR COLLECTOR VEHICLES
Coverage for More Than Just a Car.
​A classic car insurance policy can offer protection designed specifically for collector vehicles. Coverage options vary by carrier, vehicle type, and how the car is used.
​Helps ensure your vehicle is protected for an agreed value in the event of a total loss, subject to policy terms and conditions.
Agreed Value Protection
​Provides liability coverage for certain injuries or property damage you cause to others, with optional collision and comprehensive coverage for your vehicle.
Liability & Physical Damage
​Many policies offer optional coverages such as spare parts, tools, towing, roadside assistance, and coverage while at car shows. Availability varies by carrier.
Specialized Coverage Options
WHY AGREED VALUE MATTERS
Know Your Car's True Value.
​An agreed value policy establishes your vehicle’s insured value before a loss. In the event of a covered total loss, the agreed amount is typically paid, subject to applicable policy deductibles and conditions.
Agreed Value
(Recommended for Class Cars)
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Value is determined before a loss
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Pay the agreed amount (subject to deductible)
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Reflects the true value of your vehicle
Stated Value
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A stated amount is listed on the policy
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May be subject to depreciation
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Actual payout can vary
Actual Cash Value
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Based on the market value at the time of loss
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Includes depreciation
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May result in a lower payout for collector vehicles
Classic & Antique Cars
​Iconic vehicles with timeless appeal.
Coverage for a Wide Range of Collector Vehicles
We can help you explore insurance options for many types of classic and specialty vehicles, including:
Muscle Cars
​High-performance vehicles built for power and style.
WHAT KIND OF CLASSIC VEHICLE DO YOU OWN?
Restored & Modified Vehicles
​Custom builds and restorations with unique coverage needs.
Modern Collectibles
​Newer vehicles that qualify as collector cars.
Limited or Pleasure Use
​Classic car policies are typically designed for limited or recreational use, not daily commuting.
A Few Things to Keep in Mind.
​Collector car insurance often comes with unique requirements. Here are some key factors to consider:
Secure Storage
​Vehicles are often required to be kept in a secure garage or enclosed storage when not in use.
IMPORTANT CONSIDERATIONS
Everyday Vehified Availability
​Many carriers require that you have another vehicle available for daily transportation.
Documentation
​Photos, appraisals, and documentation of modifications may be needed to accurately determine value and ensure proper coverage.
COMMON QUESTIONS
Classic Car Insurance FAQs
​A vehicle doesn't necessarily have to be a certain age to qualify for classic car insurance. While many insurers consider vehicles 20 to 25 years old or older to be classics, some also insure newer collectible, exotic, or limited-production vehicles. Eligibility depends on the vehicle's age, condition, value, usage, and the insurance carrier's guidelines. We can help determine whether your vehicle qualifies for specialized collector car coverage.
​Agreed value coverage establishes an insured value for your vehicle when the policy is issued. In the event of a covered total loss, the agreed amount is generally paid, subject to applicable policy terms and deductions. Stated value coverage allows you to list a value for your vehicle, but the amount paid for a covered loss may be limited to the lesser of the stated amount or the vehicle's actual cash value. Because these valuation methods can result in different claim payments, it's important to understand how your policy determines the value of your vehicle.
​Classic car insurance policies are generally designed for vehicles used occasionally rather than for daily transportation. Many carriers allow pleasure driving, car shows, exhibitions, and club events, but may restrict commuting or other regular use. Some insurers also require you to have a separate vehicle for everyday transportation. Driving restrictions and mileage requirements vary by carrier, so it's important to select coverage that matches how you use your vehicle.
​Classic car insurance policies are generally designed for vehicles used occasionally rather than for daily transportation. Many carriers allow pleasure driving, car shows, exhibitions, and club events, but may restrict commuting or other regular use. Some insurers also require you to have a separate vehicle for everyday transportation. Driving restrictions and mileage requirements vary by carrier, so it's important to select coverage that matches how you use your vehicle.
​Classic car insurance can sometimes be more affordable than standard auto insurance because collector vehicles are often driven less frequently and stored securely. However, premiums depend on the vehicle's value, condition, usage, storage arrangements, driving history, and selected coverage. Specialty policies may also have eligibility requirements and driving restrictions that differ from traditional auto insurance. We can help you compare available options to find coverage suited to your collector vehicle.
