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Hot Rods & Customs Insurance
Take advantage of the growing number of hot rod & custom vehicle enthusiasts. The growing trend pairs perfectly with the best coverage in the industry— designed to provide the perfect level of protection for your client’s one-of-a-kind vehicle.
Use our market* for collector vehicle insurance:
- No restrictions by year, make or model
- Flexible usage and mileage
- Minimal driving experience required
- Higher liability limits and more deductible options
- Additional garaging options accepted
- Simple online quote & submission process,
- Online policy management,
- Expert underwriting/marketing assistance
Policy Features
Agreed Value Coverage
Zero Deductible
Our policy includes a zero deductible option, providing zero out of pocket cost in the event of a claim.
Mileage Plans
Your customers know that the days of one-size-fits-all plans are over. They want a mileage plan that best fits their needs (2,500, 5,000 or 7,500)—now you can give it to them.
Flexible Usage with Freedom Tier
Our Freedom Tier provides more freedom than any other collector vehicle insurance provider. True collectors are allowed 7,500 annual miles PLUS occasional general usage.
High Value Vehicle Program
We provide coverage and discounts for vehicles valued over $150,000 or collections valued over $250,000.
Towing & Labor for Collectors (C.A.R.E.) Plan
Our comprehensive C.A.R.E. Plan—affordably priced on a policy level—reimburses for much more than emergency towing & labor expenses. Learn more about 3 levels of C.A.R.E.
Coverage for Vehicles in Restoration
Not quite finished? No problem! In most cases, we can protect the car throughout the duration of the restoration.
Inflation Guard
Automatically increases the limit of liability up to a max of 6% at no additional cost.
Spare Parts Coverage
Should damage or loss occur to a classic “spare part,” our policy provides up to $500 coverage at no additional cost. Additional coverage is available.
Higher Liability and More Deductible Options
Even 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
Qualifying vehicles purchased during the policy term are automatically covered for 30 days.
Hot Rods & Custom Vehicles We Insure
To be considered for coverage, the vehicle must:
- Be driven on a limited basis (not as a daily driver)
- Not to be used for racing or timed events
- Kept in a secure garage (select alternate garaging options accepted)
What Is Classified As a Custom or Modified Vehicle?
A custom car is a passenger vehicle that’s been altered to improve its performance, modify its aesthetics, or both. Modified vehicles undergo alterations beyond original factory specifications including but not limited to installing aftermarket parts, making upgrades, adding various add-ons, or incorporating custom modifications.
To ensure proper protection, modified vehicles often require additional coverage tailored to their unique features and enhancements.
From Restomods, Hot Rods, and Rat Rods to Lowriders, Kustoms and more, American Collectors Insurance offers specially tailored coverage for custom vehicles.
Applicant Qualifications
In order to qualify for our outstanding protection and affordable rates, drivers must have:
- At least 5 years of licensed driving experience
- A good driving record – no more than one moving violation or one at-fault accident within the last 3 years (up to 2 per household)
- One regular use vehicle for every licensed driver in the household (exceptions may be made for full-time students and retired couples)
Submission Requirements
It takes just a few minutes to quote and submit your next risk online! Once approved, you will receive a confirmation email listing premium payment options.
Please Note: American Collectors Insurance does require the total annual premium in order to bind coverage, and photo(s) and forms must be received within 20-days. Upon receipt of the premium payment, temporary ID cards will be made available via email. We will review & respond within 24 hours to risks that are not immediately accepted. It’s that easy!
