Classic & Collector Car Insurance

If you own a classic car, your insurance coverage should be as unique as your vehicle. Whether you purchase a muscle car or an antique vehicle, you’re best suited by getting customized classic & collector car insurance.

Whether you purchased the vehicle as a passion project or as an investment, you’ll want to insure it properly so you can rest assured that your one-of-a-kind beauty from back in the day will be protected.

We drill down and look at all usage and coverage considerations while creating a policy specifically to suit your classic cars, including:

How Will You Use Your Vehicle?

When insuring a classic car, you must consider how you will be using the vehicle:

Will you only drive the vehicle to car shows or in a parade now and again? If so, your policy should be limited to those circumstances.
Are you going to use your antique vehicle to go to the grocery store, hit the beach or visit a relative? Then, your policy should reflect this kind of usage.
How many miles do you intend to drive each year?

Typical Coverage Inclusions

A typical classic car insurance policy includes the following:

Agreed value coverage: Pays for the car’s full-insured value with no depreciation in the event of a total loss, less your deductible.
Inflation guard: To compensate for how classic cars increase in value over time, the policy increases the vehicle’s value quarterly.
Spare parts coverage: Comprehensive coverage for your vehicle’s spare parts.
Flexible usage: Ability to drive the vehicle for up to 2,500 to 5,000 miles annually. Not limited to “parades only.”

Additional Coverage Options

Some additional options to consider adding:

Instant new purchase coverage for newly purchased collectible cars
Some carriers offer cherished salvage value coverage, allowing you to keep your vehicle if it’s totaled and still receive the guaranteed value minus any deductible
Emergency towing in case of a breakdown
Roadside assistance for items such as a flat tire, dead battery or running out of gas
Emergency lockout / Lost key return
Emergency travel expenses in case your classic vehicle breaks down while away from home
Car show expenses—policy will pay for expenses associated with missing a car show due to a breakdown
Personal effects—policy will reimburse you for items that are vandalized or stolen when reported to police
Theft reward

Trusted Carriers Partners

While a few of our High-Net-Worth companies have programs for collector vehicles, we also represent and partner with a handful of more specialized carriers with A.M. Best ratings of A or better, including some of the most recognizable names: Hagerty, Grundy Insurance, and J.C. Taylor Insurance.