Classic Car Insurance

Classic, antique, and collector cars are not just primary transportation—they are pieces of historic art, personal passions, and significant financial investments. Standard auto insurance policies are a poor fit for collector vehicles because they treat your vehicle like a standard car, applying heavy depreciation to its value over time. If a classic car is involved in an accident, a standard policy will often underpay dramatically based on basic market book value.

Specialized classic car insurance is designed around the true collector experience. We offer policies based on an Agreed Value—meaning we work closely with you to determine the true collector value of your vehicle, and that exact amount is fully guaranteed in the event of a total covered loss. Additionally, classic car policies feature flexible, lower premiums because collector vehicles are driven sparingly and are typically stored safely in protective garages.