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Concierge Insurance.
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We offer protection for car lovers like us—who want the freedom to take the road less traveled in the car that isn’t driven every day.
Many of our clients bundle multiple insurance policies for convenience, discounts, and broader protection. Explore these other personal insurance options.
We use our industry–leading tools to help you determine the true value of your classic, then create an agreed value policy that guarantees you will be paid every cent of your car’s insured value in the event of a covered total loss.*
Collector car insurance is specialized coverage designed for classic, antique, vintage, exotic, muscle, and collectible vehicles that are not used as daily drivers. Unlike a standard auto insurance policy, collector car insurance recognizes the unique value of these vehicles and often provides broader protection, agreed value coverage, and flexible usage options for hobbyists and enthusiasts.
If you've invested significant time and money into restoring or maintaining a collector vehicle, specialized insurance can help protect that investment.
Many insurance companies offer collector car insurance for classic cars, antique automobiles, muscle cars, hot rods, street rods, vintage trucks, exotic cars, antique motorcycles, replicas, and certain modern collectible vehicles. Eligibility depends on factors such as the vehicle's age, condition, rarity, and how it is used.
Your insurance agent can help determine whether your vehicle qualifies for a collector car insurance policy.
Agreed value coverage is one of the most valuable features of collector car insurance. Instead of determining your vehicle's value after a loss, you and the insurance company agree on the vehicle's insured value when the policy is issued. If your collector vehicle is declared a total loss due to a covered claim, the policy generally pays the agreed value, less any applicable deductible.
This provides greater certainty than standard auto insurance, which often pays based on actual cash value after depreciation.
Collector car insurance is generally intended for vehicles used on a limited basis, such as car shows, club events, exhibitions, occasional pleasure driving, and maintenance trips. Most policies are not designed for daily commuting or routine transportation.
Each insurance company has its own usage guidelines, so it's important to understand how your vehicle may be used while maintaining coverage.
Many insurance companies offer coverage for vehicles undergoing restoration, although the available protection varies by carrier. Some policies allow you to increase the insured value as restoration work progresses, helping protect your investment throughout the project.
If you're restoring a collector vehicle, discuss your plans with your insurance agent to ensure appropriate coverage is in place.
In many cases, yes. Because collector vehicles are typically driven fewer miles, carefully maintained, and stored securely, collector car insurance can often cost less than standard auto insurance. Premiums vary based on the vehicle's value, storage, driving history, location, and intended use.
Every vehicle and owner is different, so obtaining a personalized quote is the best way to determine your insurance cost.
Many collector car insurance companies require vehicles to be stored in a locked garage, enclosed building, or other secure storage location when not in use. Proper storage helps reduce the risk of theft, vandalism, and weather-related damage.
Storage requirements vary by insurance company, so it's important to discuss your situation with your insurance agent before purchasing coverage.
Many collector car insurance policies offer optional roadside assistance and flatbed towing designed specifically for classic and collectible vehicles. This coverage can help transport your vehicle safely if it becomes disabled while protecting it from unnecessary damage during towing.
Specialized roadside assistance can provide valuable peace of mind during car shows, cruises, and weekend drives.
Yes. Many collector car insurance companies insure modified vehicles, including hot rods, custom builds, pro touring cars, restomods, replica vehicles, and street rods. The value of custom parts and modifications should be properly documented to ensure adequate insurance protection.
Your insurance agent can help determine the appropriate coverage for your customized collector vehicle.
You should review your collector car insurance annually and whenever your vehicle's value changes. Completing a restoration, adding custom parts, market appreciation, purchasing additional collector vehicles, or changing how you use the vehicle may all affect your insurance needs.
An annual insurance review helps ensure your collector vehicle remains properly insured and that your agreed value accurately reflects its current worth.
