Collector Vehicles

It's more than just a car. It's your passion. We make sure it's protected with coverage that serves the unique needs of car collectors.

Love the Details

Just like your collector vehicle, quality and value live in the details. Get the right protection for your investment with a policy that best fits your needs.

Agreed Value

Collector vehicles tend to appreciate so it is important to make sure that your insurance policy covers your prized collector for its full value. American Collectors insures Collector Vehicles for the “Agreed value”, meaning that in the event of a total loss, you are paid that amount (less any applicable deductible) with no depreciation.

Mileage Plans

Select the mileage plan that suits your needs— We don’t believe in a “one size fits all” policy so we offer plans that are tailored to your needs. You can purchase one of three mileage plans: 2,500 5,000 or our exclusive “Freedom Tier” plan which allows more freedom than any other collector vehicle insurance provider! True collectors are allowed occasional general use plus up to 7,500 annual miles.


Our program offers a multitude of discounts for Safety features, Mature drivers, Garage security and Multi-vehicle policies. We even offer a discount for individual cars or collections valued over $250,000.

Towing & Labor for Collectors – Our “TLC” Plan

Affordably priced policy that reimburses for much more than emergency towing & labor. Learn more

Coverage for Vehicles in Restoration

We’ll protect your car throughout the duration of the restoration.

Inflation Guard*

Automatically increases vehicle value up to a max of 6%, at no additional cost.

Spare Parts Coverage

Our policy covers damage or loss to a classic “spare part”—up to $500 coverage—at no additional cost. Additional coverage is also available.

Higher Liability Limits and More Deductible Options

More cost and coverage options are now available.

Automatic Coverage for Newly Acquired Vehicles*

Qualifying vehicles purchased during the policy term are automatically covered for 30 days.

Multi-Vehicle Discount*

Available to collectors with two or more qualifying vehicles.

* Program features and availability vary by state. Contact American Collectors Insurance for additional information.

  • Collector Vehicle Resources
  • View our collectible resources here.