Collector & Classic Car Insurance
American Collectors Insurance is an insurance company that focuses on Collectors. That’s why we offer Collector Car insurance policy designed around the vehicle Collector’s lifestyle, providing broader protection while enabling flexible usage. You can focus on driving when you want, while leaving it to us to protect your passion.
- Flexible mileage to go beyond the occasional pleasure ride or car shows
- Discounts for collector car club members
- Discounts for high-value vehicles, and larger collections
- Tailored coverage backed by an Agreed Value policy
- Knowledgeable collector specialists that share your passion
Collector Car Insurance Policy Features
Enjoy your ride and have peace of mind with broader coverage to protect your collector vehicle.
Agreed Value
Have peace of mind from knowing how much you will receive after a covered “total loss” claim. Agreed Value coverage means that, in the event of a covered accident which is determined to be a total loss, policyholders are paid the fully agreed-upon car’s value when the classic auto insurance policy was written (less applicable deductible), without any deduction for depreciation.
The Most Flexible Mileage
Why pay for miles you don’t need? Tiered mileage plans give you flexibility to customize your classic car insurance policy to match how much you actually drive your collector.
Discounts for Collectors
We offer discounts for high-value vehicles ($250,000+), multi-vehicle policies, mature drivers, garage security and added safety features.
Towing & Labor for Collectors – Our “C.A.R.E.” Plan
Our affordable C.A.R.E. plans provide peace of mind when you drive your classic vehicle by covering roadside assistance, towing, and other incidental expenses.
Coverage for Vehicles in Restoration
We’ll protect your Collector car throughout the duration of the restoration.
Inflation Guard*
Inflation Guard coverage is included at no charge on your policy to help minimize the impact of inflation on your policy coverage. In the event of a covered total loss to your Collector Car, Inflation Guard adjusts the Agreed Value of the vehicle up to 6% max.
Spare Parts Coverage
At no additional cost, American Collectors Insurance policyholders are covered for up to $500 for loss or damages to classic “spare parts”.
Higher Liability Limits and Additional Deductible Options
Policies are available to suit your unique needs, including a variety of deductibles options from zero to 20% or multiple liability limits to match what you have on your regular family autos.
Automatic Coverage for Newly Acquired Vehicles*
We offer automatic coverage for up to 30 days for qualifying collectible vehicles purchased during the policy term (up to $100,000).
Multi-Vehicle Discount*
Discounts are available to collectors with multiple qualifying vehicles, including hot rods, muscle cars and more.
Get a Free Quote in Minutes
Getting a free collector car insurance quote has never been easier.
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C.A.R.E. for Your Vehicle
Give your classic or antique the C.A.R.E. (Collector Auto Reimbursement Endorsement) it deserves with plans that cover emergency towing and roadside service expenses. Available in Silver, Gold, and Platinum-level tiers, our C.A.R.E. packages provide coverage for a variety of incidental costs that can be incurred while getting your car back on the road.
Why Choose American Collectors Insurance?
At American Collectors Insurance, we have over 40 years of experience providing auto insurance to car collectors across the country. We keep the underwriting process simple with fast quotes and a variety of coverage options to meet your needs.
Our policies are flexible while regular car insurance companies offer standardized policies with mileage limits that don’t allow you to enjoy your antique car. In the event of a total loss, our policies cover agreed value instead of actual cash value that is provided by regular auto insurance carriers.
How American Collectors Insurance Underwrites 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: American Collectors Insurance representatives review application information to evaluate the risk involved in the insurance policy.
- Determine auto policy coverage: We’ll set your policy limit, assess the requested application details, and underwrite the eligibility for the coverages requested on the application.
- Approval: You’ll get a quick decision from us, indicating whether you’ve been approved for collector car insurance.
Classic Car Insurance FAQs
What is a Classic vs. Collector Car?
Classic and collector cars are separated by more than just age. A classic or vintage car is widely defined as a vehicle that is more than 25 years old. However, a collector car is part of a larger universe which consists of classic cars, as well as newer-model collectible vehicles that appreciate in value and are driven mostly for pleasure. These newer collectible vehicles include late-model exotic cars, luxury cars, and super-performance cars.
Standard vs. Classic Car Insurance Coverage
Classic and standard auto insurance differ in a number of ways. Standard auto insurance covers “daily drivers”, which are expected to be driven more frequently than antique cars. This explains why your daily driver’s auto insurance premiums will generally be much higher than what you’d pay to insure a collector vehicle. Standard car insurers offer auto policies with different values for total loss claims, maximum car values, and vehicle usage guidelines.
Do I Qualify for Classic Car Insurance?
We will consider drivers with:
- At least 5 years of licensed driving experience.
- A 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.
- One regular-use vehicle for every licensed driver in the household (exceptions may be made for full-time students and retired couples).
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.
- Kept 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 1-800-360-2277, 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 info@americancollectors.com.