Real Market Value Protection
Your vehicle's value is based on its actual rarity, condition, and historical significance - not depreciated book value. In the event of a total loss, you receive the full agreed-upon value.
OEM Parts & Shop Choice
Repairs use Original Equipment Manufacturer parts to preserve authenticity. Choose your preferred restoration shop - we trust your judgment on who should work on your classic.
Comprehensive Protection
Coverage for tools, spare parts, car covers up to $1,000, plus $150 roadside assistance reimbursement. Windshield repairs with zero deductible.
Vehicles Under Construction
Special coverage for builds and restorations. Protects increasing value as you work, plus coverage for automotive tools used in the restoration process.
Evacuation Expense Coverage
Up to $1,500 reimbursement for moving and temporarily storing your vehicle during hurricanes or similar events, for up to 180 days.
Collector Vehicle Experts
Work with insurance professionals who are auto enthusiasts themselves. They understand your passion and the unique needs of collector vehicles.
Why Collector Coverage Beats Standard Auto
Standard auto insurance is built for daily drivers, not classics. See what you're missing with regular coverage.
Standard Auto Insurance
- Auto Liability Protection
- Uninsured/Underinsured Motorist
- Medical Payments Coverage
- Comprehensive & Collision
- Collector Vehicle Expert Support
- Agreed Value Coverage
- Repairs with OEM Parts
- Shop of Choice Repairs
- Tools & Parts Coverage
- Evacuation Expense Reimbursement
- Vehicle Under Construction Coverage
- Roadside Support Reimbursement
- No Deductible Windshield
- Limited Fraud Coverage
Collector Vehicle Insurance
- Auto Liability Protection
- Uninsured/Underinsured Motorist
- Medical Payments Coverage
- Comprehensive & Collision
- Collector Vehicle Expert Support
- Agreed Value Coverage
- Repairs with OEM Parts
- Shop of Choice Repairs
- Tools & Parts Coverage ($1,000+)
- Evacuation Expense Reimbursement
- Vehicle Under Construction Coverage
- Roadside Support Reimbursement ($150)
- No Deductible Windshield
- Limited Fraud Coverage
Classic & Antique Auto Insurance Complete Guide
What Makes Collector Vehicle Insurance Different?
Collector vehicle insurance is specifically designed for classics, antiques, muscle cars, and custom builds. Unlike standard auto insurance that uses depreciated book values, collector coverage recognizes that these vehicles often appreciate in value and require specialized care.
What Vehicles Are Eligible?
- All Pre-1989 Stock Cars & Trucks: Any factory-original vehicle from 1988 or earlier
- Antique Vehicles: Classic cars typically 25+ years old
- Modern Muscle & Sports Cars: Performance vehicles maintained as collectibles
- Vehicles Under Construction: Builds and restorations in progress
- Custom Cars: Hot rods, street rods, replicas, and restomods
- Antique Fire Trucks & Tractors: Historical equipment and machinery
- Historic Military Vehicles: Preserved military transportation
Key Coverage Features Not Available with Standard Auto Insurance
- Agreed Value Coverage: Vehicle value based on actual market worth, rarity, and condition - not depreciated book value
- OEM Parts Requirement: Repairs must use original equipment parts to maintain authenticity
- Shop Choice Freedom: Select your preferred restoration specialist
- Tools & Parts Coverage: Up to $1,000 for spare parts, $250 for car covers/bras
- Zero Deductible Windshield: Complete windshield repair/replacement with no out-of-pocket cost
- Evacuation Expense: Up to $1,500 for moving vehicles during natural disasters
- Construction Coverage: Protection for vehicles being built or restored
- Fraud Protection: Coverage against forgery, false pretense, and identity theft related to your collector car
- Roadside Reimbursement: Up to $150 for towing and emergency services
Who Should Consider Collector Vehicle Insurance?
- Classic car enthusiasts with vehicles 25+ years old
- Muscle car owners who don't use the vehicle for daily transportation
- Restoration project owners (vehicles under construction)
- Hot rod and custom car builders
- Collectors with multiple vintage vehicles
- Anyone whose vehicle has appreciated beyond standard book value
- Owners who want to ensure authentic OEM repairs
How Much Can You Save?
Collector vehicle insurance typically costs 40-60% less than standard auto insurance because these vehicles aren't driven daily and are meticulously maintained. Additionally, you'll save money through agreed value coverage that pays full market value rather than depreciated book value in the event of a total loss. Many classic car owners save $800-$2,000 annually by switching from standard auto to specialized collector coverage.
Available Discounts
- Car Club Member Discount: 5% off for active car club membership
- Transfer Discount: Additional savings when transferring from another collector insurance provider
- Multi-Vehicle Discount: Insure multiple classics for additional savings