You finally own the classic car of your dreams—now how do you protect it? Whether you’re a first-time classic car owner or a seasoned collector, finding the best classic car insurance is just as important as the car itself. You already know that a standard auto policy won’t cut it, but not all collector car insurance providers are created equal. The right insurer understands your vehicle’s true value, how it’s driven, and how it should be repaired. Here’s what to look for when choosing the best classic car insurance policy for your prized ride.

Not All Insurance Companies Understand Classic Car Coverage

Insuring a classic car isn’t the same as insuring a daily driver—and not every insurance company is equipped to handle the difference. A first-rate classic car insurance provider knows that collector vehicles have unique maintenance, repair, and valuation needs that set them apart from modern cars. If your insurer primarily covers everyday vehicles, they might fall short when it comes to protecting your 1965 Mustang or 1969 Charger Daytona.

At American Collectors Insurance, we recognize that you know your car best and who to trust when it comes to fixing it, which is why we give you the freedom to choose the repair shop of your choice, instead of dictating where your vehicle should be serviced.

Agreed Value Insurance: Ensure Your Classic Car Is Properly Covered

One of the biggest advantages of classic car insurance over a standard auto policy is Agreed Value Insurance. Unlike regular coverage—where the value of your car is determined after an accident—Agreed Value Insurance locks in your car’s worth upfront. You and your collector car insurance provider agree on the value ahead of time, eliminating the stress and lowball offers that often come with standard policies.

Many classic car owners who chose a regular auto insurer have learned the hard way—dealing with adjusters unfamiliar with classic car values and fighting for a fair payout. If your insurer doesn’t know what COPO means when talking about a high-performance Chevrolet, do you really trust them to properly cover your 1969 Chevy Chevelle?

The best classic car insurance companies use data from auctions, dealer listings, and collector car transactions to determine fair market value. At American Collectors Insurance, we specialize in Agreed Value coverage, ensuring your classic is covered for what it’s worth—because that’s the right way to protect a collector car.

Flexible Classic Car Insurance Mileage Plans

Owning a classic car isn’t just about admiring it in the garage—it’s about getting behind the wheel and enjoying the drive. We understand that which is why we believe in flexible mileage plans that fit the way you use your classic. We offer many tiers to suit their needs, all of which allow “occasional pleasure use”,

With the right collector car insurance, you can spend less time worrying about restrictions and more time enjoying the open road.

Choose the Right Classic Car Insurance from the Start

While most insurance companies are willing to at least consider insuring a classic car, few have the dedicated and knowledgeable staff required to handle the process from beginning to end. You might be asked to visit another website, or call a different phone number, to finish the process of protecting your classic vehicle.

With American Collectors Insurance, you get a dedicated team that understands classic and collector cars.As the highest rated collector car insurance provider across review platforms, we take pride in providing hassle-free, specialized coverage that protects your investment.

Protect Your Passion with the Right Classic Car Insurance

Choosing the right classic car insurance provider is one of the most important decisions you’ll make as a car enthusiast. At American Collectors Insurance, we understand the passion that comes with owning a collector vehicle, and we’ve done the hard work to ensure you get the best coverage for your ride. Whether it’s your first classic car or an entire collection, our goal is to keep you on the road, worry-free.