Your Classic Car Deserves some C.A.R.E.
We’re proud to offer the most robust towing and labor expense reimbursement plan for collector vehicles today. Our C.A.R.E (Collector Auto Reimbursement Endorsement) Plan provides an extra layer of protection for less than the cost of an oil change!
Our C.A.R.E package reimburses you for emergency expenses on the road such as towing, roadside assistance and lock-out! Plus, the premium level provides additional reimbursement other towers don’t.
Emergency Towing
Use the towing service you are comfortable with then send us the bill and we will reimburse expenses up to the policy limits.
- Titanium: $350
- Platinum: $250
- Gold: $150
- Silver: $100
Roadside Assistance
If your collector vehicle ends up disabled on the road, once it’s fixed, we will reimburse you the costs to get it running again, up to the policy limits. You can be reimbursed for a flat tire, dead battery, running out of gas or oil, and more.
- Titanium: $200
- Platinum: $150
- Gold: $100
- Silver: $50
Emergency Lockout
C.A.R.E. will reimburse you up to a set amount for professional locksmith services.
- Titanium: $100
- Platinum: $50
- Gold: $50
- Silver: $50
Emergency Travel Expense
If your collector vehicle breaks down more than 50 miles away from your home, you can be reimbursed for expenses that you incur for up to 5 days. Meals, lodging and car rental are all included, up to the policy limit.
- Titanium: $750 ($150 per day)
- Platinum: $500 ($100 per day)
- Gold: $250 ($50 per day)
- Silver: N/A
Car Show Expense
If you miss a car show due to accident or mechanical breakdown, the C.A.R.E Plan will reimburse your non-refundable car show and hotel fees up to the policy limit.
- Titanium: $200
- Platinum: $150
- Gold: $100
- Silver: N/A
Theft Reward
If your collector vehicle is stolen, American Collectors will assist in the recovery of your vehicle by offering a cash reward for information leading to its return.
- Titanium & Platinum: $5,000
- Gold: $2,500
- Silver: N/A
Personal Effects
If your car is stolen or vandalized, you will receive reimbursement for personal items reported to the police as missing or damaged, up to the policy limit.
- Titanium: $1,000
- Platinum: $500
- Gold: $250
- Silver: N/A
Accidental Death & Dismemberment
- Titanium:$25,000
- Platinum:$20,000
- Gold: $10,000
- Silver: N/A
Ambulance Assistance
- Titanium:$350
- Platinum:$250
- Gold: $100
- Silver: N/A
Bail Bond
- Titanium:$6,000
- Platinum:$5,000
- Gold: N/A
- Silver: N/A
Legal Defense Budget
- Titanium:$1,500
- Platinum:$1,000
- Gold: N/A
- Silver: N/A
Hit & Run Info Reward
- Titanium:$1,500
- Platinum:$1,000
- Gold: N/A
- Silver: N/A
Trailer Guard
Per disablement, up to 2 occurrences per policy term
- Titanium:$200
- Platinum:$150
- Gold: N/A
- Silver: N/A
A— C.A.R.E. packages not available in all states. Care package benefits and limits may vary by state. B— CARE pricing in WA: Silver=$10.82, Gold=$27.12, Platinum=$37.99,Titanium=$79.95.
C—CARE package bundles provide additional coverage. Limits shown above increase the category limits included in the base policy contract.
✔️ Checkmarks in comparison chart denote same coverage limit as the package option listed to the left.
| *All options offer reimbursements up to the policy limit. | Titanium $79.95 | Platinum $34.95 | Gold $24.95 | Silver $9.95 |
|---|---|---|---|---|
| Emergency Towing | $350 | $250 | $150 | $100 |
| Roadside Assistance | $200 | $150 | $100 | $50 |
| Emergency Lockout | $100 | $50 | $50 | $50 |
| Emergency Travel Expense | $750 ($150/Day) | $500 ($100/Day) | $250 ($50/Day) | N/A |
| Car Show Expense | $200 | $150 ($100/Day) | $100 ($50/Day) | N/A |
| Theft Reward*** | $5,000 | $5,000 | $2,500 | N/A |
| Personal Effects | $1,000 | $500 | $250 | N/A |
| Accidental Death & Dismemberment** | $25,000 | $20,000 | $10,000 | N/A |
| Ambulance Assistance*** | $350 | $250 | $100 | N/A |
| Bail Bond*** | $6,000 | $5,000 | N/A | N/A |
| Legal Defense Benefit*** | $1,500 | $1,000 | N/A | N/A |
| Hit & Run Info Reward | $1,500 | $1,000 | N/A | N/A |
| Trailer Guard | $200 | $150 | N/A | N/A |
***NY Does not include Theft Reward, Ambulance Assistance, Bail Bond, & Legal Defense Benefits.
Motorcycles Silver Plan is available, Gold & Platinum do not apply.
Frequently Asked Questions
How long has American Collectors Insurance been in business?
Trusted since 1976, American Collectors Insurance has been in business for over 45+ years. We strive to continue to Embrace, Protect and Expand the collector community.
What types of vehicles qualify for collector vehicle coverage?
American Collectors Insurance protects a various array of antique and classic cars, trucks, motorcycles including but not limited to muscle cars, customs, street rods, replicas, antique fire trucks, military jeeps and even antique tractors!
Why is Agreed Value insurance coverage so important?
One of the most important distinctions between an Agreed Value policy compared to standard auto insurance is you and the insurer agreed on the value of your collector vehicle before a claim occurs. As a result, in the case of a total loss / theft, the insured (you) will receive a check for the full Agreed Value of your collector vehicle, less any applicable deductibles.
An Agreed Value policy is especially for classic and collectible vehicles that are unique, infrequently driven and/or appreciating in value. The market value of collector vehicles tend to be either stable or appreciating in value over time compared to depreciating values of daily-driven vehicles. Collector cars tend to be worth more than its daily-driven counterpart for several reasons, including limited driving/usage, better overall vehicle condition, and additional investments of time and money by the owner to restore/enhance the vehicle.
How many miles per year may I drive my collector vehicle?
We offer flexible mileage options to fit your collector lifestyle. While most collectors opt for the 2,500 mileage tier, we offer a variety of mileage tiers up to and including an Unlimited pleasure use mileage tier. For further information and to select the plan that best suits your needs, please contact us at 1-866-730-0395.
Do I qualify for collector car insurance? Does my vehicle qualify?
To qualify for classic car insurance, the collector must have a valid driver’s license, be at least 26 years of age or have a minimum of 6 years driving experience and must have a separate vehicle as a daily driver. For additional qualifications, please contact our Collector Specialist at [email protected], 1-866-730-0395, or get a quick quote.
Tailored Coverage. Personalized Service. Exceptional Price.
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