Skip to content
  • Agents
  • Contact Us
  • Submit a Claim

Main Navigation

  • Home
  • Insurance
    • Insurance Plans
    • Classic & Collector Cars
    • Custom Cars & Hotrods
    • Exotic Cars & Collector Imports
    • Classic Trucks & Utility Vehicles
    • Classic Motorcycles
    • Collectibles Insurance Plans
    • Collector Car Insurance Eligibility
    • View All Insurance Plans
  • Community
    • Collector Community
    • Articles & Videos
    • Classic Car Values
    • Local Car Clubs
    • Contests
    • Certificate of Collectability
    • Events Calendar
    • Cars-N’-Caffeine Cruise-In
    • Refer-a-Friend Program
    • Popular Resources
    • View the Community
  • About
    • About Us
    • Our Mission
    • Why Choose ACI
    • Testimonials & Reviews
    • Why TreasureGuard Policy is Better
    • Testimonials – Claims
    • Corporate Giving
    • News & Press
    • Learn About ACI
  • Home
  • Insurance
    • Insurance Plans
    • Classic & Collector Cars
    • Custom Cars & Hotrods
    • Exotic Cars & Collector Imports
    • Classic Trucks & Utility Vehicles
    • Classic Motorcycles
    • Collectibles Insurance Plans
    • Collector Car Insurance Eligibility
    • View All Insurance Plans
  • Community
    • Collector Community
    • Articles & Videos
    • Classic Car Values
    • Local Car Clubs
    • Contests
    • Certificate of Collectability
    • Events Calendar
    • Cars-N’-Caffeine Cruise-In
    • Refer-a-Friend Program
    • Popular Resources
    • View the Community
  • About
    • About Us
    • Our Mission
    • Why Choose ACI
    • Testimonials & Reviews
    • Why TreasureGuard Policy is Better
    • Testimonials – Claims
    • Corporate Giving
    • News & Press
    • Learn About ACI
  • Agents
  • Contact Us
  • Submit a Claim
Get a Quote Manage My Policy
Manage My Policy 1-800-360-2277 Get a Quote
Collectors Insurance Plans Collector Car Insurance

Collector & Classic Car Insurance

At American Collectors Insurance, we are passionate about Collectors. That’s why we offer a Collector Car insurance policy designed around the Collector’s lifestyle. By providing broader protection and flexible usage, you can focus on enjoying your collector car while we 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
Classic Car Insurance Dashboard

Collector Car Insurance Policy Features*

Enjoy your ride and have peace of mind with broader coverage to protect your collector vehicle.

Trustpilot
1937 Classic Car Interior

Agreed Value

Have peace of mind knowing how much you will receive after a covered “total loss” claim. Agreed Value coverage means that, in the event of a covered total loss, policyholders are paid the agreed-upon car’s value (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 an active 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/Automotive Tools Coverage

At no additional cost, American Collectors Insurance policyholders are covered for up to $500 for loss or damages to classic “spare parts” or Automotive tools that you own and are used for the maintenance of your Collector car.

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 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.

Classic Car Insurance Steering Wheel Close Up

Get a Free Quote in Minutes

Getting a free collector car insurance quote has never been easier.

Get a Quote

See How Much Your Car’s Worth

Get your classic vehicle appraised in minutes.

Online Valuation Tools
Classic Car Insurance CARE

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.

Learn More
classic car back view

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.

Learn More
Classic Car Insurance Fast Road Convertible

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

1957 Cadillac Fleetwood-600x440

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.

Learn more
Chevy Kingswood Side View

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.

Learn More

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.

No obligation, no commitment.

Get a Free Quote in Minutes

Get a Quote

Popular Classic Car Models Protected by American Collectors Insurance

Chevrolet Bel Air
Chevrolet Nova
Pontiac GTO
Chevrolet Camaro
Ford Mustang
Porsche
Chevrolet Corvette
Pontiac Firebird
Volkswagen Beetle

* Daily-driven vehicles are not eligible for collector car insurance.

Sign up for Our Newsletter
1-800-360-2277
info@americancollectors.com
  • (Column 1)
    • Insurance Plans
    • Collector Car Insurance
    • Classic Truck Insurance
    • Customs & Hot Rod Insurance
    • Classic Motorcycle Insurance
    • Exotic Cars & Collector Imports
    • Collectibles Insurance Plans
    • Collector Car Insurance Eligibility
  • (Column 2)
    • Community
    • Articles & Videos
    • Classic Car Values
    • Local Car Clubs
    • Contests
    • Certificate of Collectability
    • Events Calendar
    • Refer-a-Friend Program
  • (Column 3)
    • About ACI
    • Why Choose ACI
    • Testimonials & Reviews
    • Testimonials – Claims
    • Corporate Giving
    • News & Press
    • Careers
    • Contact Us
Get a Quote Manage My Policy
©2022 American Collectors Insurance. All Rights Reserved. | Privacy Policy | Terms of Use | Feedback