Classic & Collector Car Insurance

Your classic car, muscle car or vintage truck isn’t your daily driver, and it shouldn’t be insured like one. Collector vehicle coverage is built around how you actually use and care for your car, often for less than a standard auto policy.

What Collector Car Coverage Can Include

Agreed Value

You and the carrier agree on the car’s value up front, so a covered total loss pays that amount instead of a depreciated value, minus any deductible.

Flexible Mileage Plans

Plans are built for limited, pleasure use. Mileage allowances vary by carrier, and some offer higher or unlimited options.

Spare Parts & Tools

Coverage for the extra parts, tools and accessories that come with owning and maintaining a classic.

Restoration Projects

Options for vehicles that are still being restored, with the value increasing as the work progresses.

Specialty Roadside & Towing

Flatbed towing and roadside help from providers who know how to handle collector vehicles.

Car Shows & Club Events

Coverage that goes with you to shows, cruises and club events.

What Qualifies as a Collector Vehicle?

Every carrier has its own guidelines, but collector programs commonly cover:

Antique and vintage cars typically 25 years or older.
Classic and muscle cars kept in good condition and driven for pleasure.
Exotic and limited-production vehicles including newer collectible models.
Vintage trucks, tractors and military vehicles with some carriers.
Restoration projects that aren’t finished yet.

Most programs ask that the vehicle be stored in a garage or other secure building and that you have another vehicle for everyday driving.

Why Work With Us

We compare specialty programs. As an independent agency, we compare collector car coverage alongside your regular auto and home.
We help you document the car’s value. We’ll help you document your car so the agreed value reflects what it’s really worth.
One agency for everything. Your daily drivers, home, classic car and umbrella reviewed together.

Carriers We Work With

As an independent agency, we compare coverage and price across multiple insurance companies, including:

Westfield

What happens next

We call you the same day or the next business day from 234-254-5660.
The call takes about 15 to 20 minutes. Your proposal is ready within 24 hours of the call or appointment.
It’s free. We don’t contact your current agent unless you decide to switch. Not for you? Tell us and we part ways.

Protect the car you’ve put your heart into

Request a collector car proposal and make sure your coverage matches its true value.

Call 234-254-5660 Request a Proposal

Frequently Asked Questions

What is agreed value coverage?

You and the insurance company agree on your car’s value when the policy starts. If the car is a covered total loss, the policy pays that agreed amount, minus any deductible, instead of a depreciated market value.

Can I drive my classic car every day?

Collector policies are designed for limited, pleasure use like shows, club events and weekend drives. If the car is your daily driver, it usually needs a standard auto policy instead.

Is collector car insurance cheaper than regular auto insurance?

Often, yes. Because collector cars are driven less and usually well cared for, specialty coverage can cost less than insuring the same car on a standard policy.

Does my car have to be fully restored?

No. Many carriers offer coverage for vehicles that are still being restored, with the value adjusted as the project progresses.

How do I prove my car’s value?

Photos, receipts for restoration work and sometimes an appraisal help establish the value. We’ll walk you through what your carrier needs.

Coverage, discounts and availability vary by carrier and are subject to underwriting. This page is general information, not a policy contract.