Collector Car Coverage Perhaps you own a piece of automotive history — a perfectly preserved 1930s dual-cowl phaeton or 1960s roadster. Or your taste might run to exotic sport cars. Whatever your automotive passion, you can protect your collectible vehicle — and your investment in it.
A collector car’s age, rarity, value, unique features, limited use, availability of parts and services, and popularity across generations make it more desirable than a “daily use” auto.
We offer inclusive classic auto and collector car insurance programs…
- Muscle Cars
- Classic Cars
- Street Rods
- Customs Cars
- Kit Cars
- Cobra replicas
- Race Cars
- Military Vehicles
- Fire Engines
- Restorations in process
Collector car insurance is all about the “agreed value”
We only recommend an agreed value total loss settlement. Before the policy activates, you as the car’s owner, the agent, and our underwriters agree on the car’s value and insure it for that amount. In the event of a total loss, that agreed upon value is the payout amount. The deductible of course applies, but there is no depreciation and no misunderstanding.
Some other specialty auto policies, and a typical daily-use auto policy, offer stated value coverage. It’s not the same. In fact, it is really just actual cash value coverage with a maximum limit – the stated value – and the carrier pays the vehicle’s market value which it determines after the loss. If the market value has dropped since the policy was purchased, then that lower dollar amount is the payout.
- Agreed value loss settlement
- Broad usage allowance
- Mileage plans include unlimited miles
- Date and specific time of the loss
- Deductible options from $0 to $10,000
- Flexible payment options