Agreed-value coverage for the cars you actually care about.
Classics, muscle cars, exotics, hot rods, and restorations deserve a policy that understands their real worth – not one built for a rental fleet.
Built for Collector Vehicles
- Agreed-value coverage – no depreciation at claim time
- Coverage for spare parts, tools, and automobilia
- Flexible usage terms for shows, cruises, and club events
- Coverage during restoration, transport, and storage
- Roadside assistance with flatbed towing for low-clearance vehicles
- Coverage for modified, kit, and replica vehicles
Who It’s For
Standard auto policies assume daily use and depreciate value the way they would a used sedan. Collector car policies assume the opposite: limited, pleasure-driven use and appreciating or stable value.
We work with owners of antique, classic, muscle, exotic, and modified vehicles to document agreed value up front – through appraisals, purchase records, or build documentation – so a total loss settles at the value you and your insurer agreed to, not an adjuster’s on-the-spot estimate.
Vehicles We Typically Insure
Antique & Classic
Vehicles generally 20+ years old, maintained in original or restored condition.
Muscle & Exotic
High-value performance vehicles requiring specialized valuation and parts coverage.
Restorations & Modifieds
Custom builds, hot rods, and vehicles mid-restoration, with coverage that flexes as work progresses.
Typical Requirements
Usage Limits
Most policies cap annual mileage (often 2,500-7,500 miles) and limit use to pleasure driving, shows, and club events rather than daily commuting.
Secure Storage
A locked garage or other secure storage location is typically required when the vehicle isn’t in use.
Driving Record
Collector policies generally favor experienced drivers with a clean recent driving history.
Additional Vehicles at Home
Most carriers require another vehicle in the household for daily transportation.
Insure Your Collector Car the Right Way
Tell us about your vehicle and we’ll walk you through agreed-value coverage. Visit our Contact page to get started.