Classic and Collector Car Insurance

It is specialized coverage for collector, antique, and classic vehicles that are driven occasionally rather than daily. Its defining feature is agreed value: you and the carrier set the car's value at the start, so a covered total loss pays that amount without the depreciation a standard policy applies.

Agreed value means the payout after a covered total loss is the figure you and the insurer agreed on when the policy was written, supported by an appraisal or documentation. It avoids the disputes that come with actual cash value, where a standard insurer depreciates the car. For a restored or appreciating vehicle, that difference can be large.

The documented program requires garaging and hobby use only. Cars typically qualify through being at least 30 years old, part of a larger collection, or a limited-production model. This California request is for collector cars only, not motorcycles, tractors, fire trucks or other vehicle categories. Tell us the year, condition and use so the insurer can review eligibility.

Cost depends on the car and offered policy terms. It reflects the agreed value, your driving record, storage, and permitted use. We quote it against the specific vehicle and how you use it rather than a flat rate.

Usually not on a classic policy. These policies assume occasional, pleasure use, car shows, club events, and weekend drives, with no mileage cap for hobby use in the documented program. A car used for commuting or errands generally needs a standard auto policy. We match the policy to your real usage.

Often, yes, especially for a restored or higher-value vehicle. An appraisal or strong documentation supports the agreed value and speeds a claim. For some vehicles photos and records are enough. We tell you what the carrier needs before you bind.

Classic policies assume limited, pleasure use. A car driven daily belongs on a standard auto policy.

Maintenance, mechanical failure, and gradual deterioration are not insured losses.

The documented program does not cap mileage for hobby use, but commuting and everyday transportation are outside this request.

Competitive events and track days are generally excluded unless specifically arranged.

We are currently licensed in California only. Start a quote if the business or risk is in California, and we will confirm eligibility before you spend time on it.

Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.