Collector car insurance
Insurance for your classic, antique or collectible car
A car you show, restore or drive on weekends needs a different policy than the car you drive to work. Tell us how to reach you and we'll call to go over the car and quote it.
How collector car coverage works
Agreed value
Most collector car policies are written on an agreed value: you and the insurer settle on what the car is worth when the policy starts, and that's the amount a total loss pays. A standard auto policy pays actual cash value, which can fall well short for a car that has gained value.
Expect rules about how it's driven
Collector policies usually limit use to shows, club events and occasional pleasure driving, and many expect you to have another car for everyday use. We'll go over the exact rules on the policy before you buy.
Where it's kept matters
Many collector policies ask that the car be stored in a locked garage or a similar enclosed space. Tell us where yours lives when we quote.
Have the paperwork ready
Recent photos, an appraisal and receipts for restoration work all help support the value you want to insure. Gather what you have before we talk.
Questions
Common questions
What does agreed value mean?
You and the insurer settle on what the car is worth when the policy starts, and that's what a total loss pays. A standard auto policy pays actual cash value, which can fall short for a car that has gained value.
Can I drive a collector car every day?
Usually not. Collector policies typically limit use to shows, club events and occasional pleasure driving, and many expect you to have another car for everyday use.
What do I need to get a quote?
Recent photos, an appraisal if you have one, receipts for restoration work, and where the car is stored. Many policies ask for a locked garage or similar enclosed space.
Questions first? Call us.
We'll tell you whether it makes sense for you, and if it doesn't, we'll say so.