Classic Car Insurance
American Collectors Insurance is driven by a shared passion for classic cars. Your classic car insurance policy will be tailored to fit your individual needs.
Our team of collector car insurance specialists is dedicated to making insurance accessible and straightforward for classic car owners.
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Benefits of Classic Auto Insurance through American Collectors
American Collectors Insurance has been a leading name in classic car insurance since 1976.
Unlike regular auto insurance, we provide personalized coverage and flexible mileage options to suit your collector vehicle’s needs. In the event of a covered total loss, our Agreed Value coverage will cover the full value of your car.
Whether you own antique cars, replicas, or vintage motorcycles, our commitment to accessible and specialized coverage sets us apart. Step away from standard auto insurance and experience the dedicated protection of our classic car insurance policy, backed by decades of expertise.
Features For Collectible Car Insurance Policies
Agreed Value Coverage
Agreed Value coverage guarantees full payment of the Agreed Value (minus the deductible) in case of a covered accident resulting in a total loss, without factoring in depreciation.
Added Policy Benefits at No Additional Charge
American Collectors Insurance policies include complimentary TreasureGuard™ benefits like using your repair shop of choice, basic towing, and more, at no added cost.
Flexible Towing and Transportation Coverage
Our Collector Auto Reimbursement and Expenses (C.A.R.E.) plans provide protection for towing and transportation for your classic vehicle.
Annual Tailored Mileage Plans
Our tailored mileage plans give you flexibility to customize your classic car insurance policy to match how much you actually drive your collector vehicle.
Discounts Available
We have a wide range of discounts available, such as: high-value vehicles ($250K+), multi-vehicle policies, mature drivers, garage security, and much more.
Inflation Guard
In the event of a covered total loss to your collector car, inflation guard automatically adjusts the Agreed Value limit for your vehicle.
Automatic Coverage for Newly Acquired Vehicles
We offer up to 30 days of automatic coverage for qualified collector vehicles that you purchase during your policy term (up to $100,000).
Coverage for Vehicles in Restoration
We’ll protect your collector car throughout the duration of an active restoration.
Deductible & Liability Limit Options
Customize your deductible & liability limit options to suit your unique needs.
Multi-Vehicle Discount
Customize your deductible & liability limit options to suit your unique needs.
Underwriting Process For Collector Car Insurance Policies
At American Collectors Insurance, we streamline the process for getting classic car insurance. These are the basic steps that go into our underwriting process:
Risk Assessment
- Application Submission: You start by submitting an application detailing your personal information, driving history, and other relevant details. This information helps us understand your background and needs.
- Data Collection: We gather additional data from external sources, such as credit bureaus and driving records, to enhance our understanding of your risk profile. This allows us to provide you with accurate and fair coverage.
- Risk Evaluation: Our skilled underwriters analyze the data to assess the level of risk you present. Factors like your driving record, age, location, and type of vehicle are considered during this evaluation.
- Loss History: We also examine your previous insurance claims and loss history, if applicable. This helps us determine your likelihood of filing claims in the future.
Auto Policy Coverage Customization
- Coverage Options: Based on the risk assessment, we offer you a range of coverage options that match your risk tolerance and financial capabilities. These options may include liability, collision, comprehensive, uninsured/underinsured motorist, and more.
- Policy Customization: We work with you to customize the coverage options to your specific requirements. This ensures that you’re protected adequately without overpaying for unnecessary coverage.
- Coverage Limits: We help you understand the significance of coverage limits, deductibles, and other policy details. This ensures you’re fully aware of what each type of coverage entails.
Application Approval
- Terms and Premiums: We provide you with the finalized terms, including coverage details, limits, deductibles, and the associated premium costs.
- Review and Confirmation: You review the terms carefully to ensure they align with your expectations. If any changes or clarifications are needed, you can get in touch with us.
- Approval and Policy Issuance: Once you’re satisfied with the terms, we proceed to approve your application. Your policy is then issued, and you’re officially covered under our insurance.
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American Collector’s Insurance Reviews
See why our customers trust their collectibles with American Collectors Insurance.
Frequently Asked Questions
Do I qualify for classic car insurance?
We will consider drivers with:
- One regular-use vehicle for every licensed driver in the household (exceptions may be made for full-time students and retired couples).
- At least 5 years of licensed driving experience.
- Clean driving record. No more than one moving violation or one at-fault accident within the last 3 years (up to 2 per household). DUI’s and reckless driving violations must be at least 10 years old.
Does My Car Qualify?
We will consider any vehicle that has collector merit and is appreciating in value. However, we also require that they are:
- Driven on a limited basis and not used for daily driving.
- Not used for racing, timed events or driver’s education.
- In good condition (vehicle is restored, preserved, upgraded, or in the process of restoration)
- Stored in an enclosed, locked garage (alternate garaging options may be permitted; contact our representative). If you have questions about our collector car insurance policies, call 1-866-516-9490, Monday- Friday from 8:00 a.m. to 8:00 p.m. EST & Saturdays from 8:00 a.m. to 5:00 p.m. EST. You can also email us at [email protected].
Are classic cars expensive to insure?
Classic car insurance coverage can often be more affordable than standard auto insurance. This is because classic car policies consider factors like limited usage, careful storage, and the appreciation of vehicle value, which can lead to lower premiums compared to regular car insurance.
What is the best insurance for a classic car?
The best insurance for a classic car is a classic car policy specifically designed for these unique vehicles. Unlike standard auto insurance, classic car insurance offers specialized coverage that considers the car’s value, usage, and storage. This tailored approach ensures that classic car owners get the right protection without unnecessary exclusions.
Do classic cars get better insurance?
Yes, classic cars typically receive better insurance through specialized classic car insurance policies. These policies offer more appropriate coverage than standard auto insurance because they account for the distinct characteristics of classic cars, such as limited usage and appreciating value. This can lead to more robust protection without common exclusions found in regular car insurance.
What is the definition of classic car insurance?
Classic car insurance is a specialized form of coverage offered by certain car insurance companies. It’s designed to cater to the unique needs of classic car owners and their vehicles. This type of insurance policy takes into account factors like limited usage, storage, and the appreciation of a classic car’s value over time.
How is classic car insurance different than standard auto insurance?
Classic and standard auto policies differ significantly. While regular auto insurance covers vehicles used daily, collector cars have unique coverage through classic car insurance policies due to limited usage. Regular insurance bases “total loss” claims on depreciated value, but we employ the Agreed Value method, ensuring a predetermined payout for your collector vehicle in case of a loss.
Collector’s Insurance In Specific States
Discover more about the states that we insure in, and the specific rules that relate to those states (any differences).
