Classic Truck and Utility Vehicle Insurance Policy Features
Enjoy your ride and have peace of mind with broader coverage to protect your collector vehicle.
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.
TreasureGuard™ Coverage
American Collectors Insurance policies include complimentary TreasureGuard™ benefits like spare parts, full safety glass, 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.
Flexible Mileage Options
Our flexible mileage plans give you flexibility to customize your classic car insurance policy to match how much you actually drive your collector vehicle.
Spare Parts Coverage
Spare parts can be tough to find for your classic rig. Policy coverage includes up to $500 covered losses and damages to classic “spare parts”.
Multi-Vehicle Discount
Whether you have two or ten classic trucks, multi-vehicle discounts can be applied to your policy. Bundle your classic truck insurance along with your motorcycles, classic vehicles, antique cars, exotic cars, and more.
Underwriting Process For Classic Truck Insurance
A simplified underwriting process makes insuring your classic truck a breeze with American Collectors Insurance. We want a convenient and seamless quote process and new policy onboarding process. Here’s how underwriting works at American Collectors Insurance:
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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Frequently Asked Questions
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Do I qualify for collector truck insurance?
American Collectors considers operators with a few minimum qualifications:
- You’ve been driving for at least ten years. Five to nine years driving experience may be consider as an exception.
- 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.
- You have one regular-use car for every licensed driver in the home.
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These are our essential requirements for insuring collector trucks:
- You don’t drive the collector truck daily—only on a limited basis.
- You don’t race the truck, use it for timed events, or operate it for driver’s education.
- Storage is secure and inside an enclosed, locked garage.
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What is considered a classic truck?
A classic truck is typically an older model truck that holds historical, sentimental, or collectible value. It’s often a vehicle that’s no longer in production but is cherished by enthusiasts for its design, craftsmanship, or historical significance.
Brands like Chevrolet and Ford often have iconic models that fall into this category. These trucks are not just vehicles; they’re pieces of history that deserve specialized attention when it comes to insurance coverage.
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Are older trucks cheaper to insure?
Yes, older trucks can generally be cheaper to insure, especially if they’re considered classic vehicles. Classic car insurance policies take into account the car’s value and usage. Since older trucks often have a lower value compared to newer ones, insurance rates and premiums can be more affordable.
However, it’s important to note that classic car insurance policies are tailored for vehicles that aren’t used as daily drivers. If you’re considering insuring an older truck that you also use as your daily driver, you might need a different type of auto policy.
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Do classic vehicles get better insurance coverage?
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 comprehensive protection without common exclusions found in regular car insurance.
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How can you insure a classic truck as a daily driver?
While classic car insurance policies are perfect for hobby trucks, auto shows, and collectibles, they’re generally not designed to cover vehicles used regularly for commuting or daily errands. If you plan to drive your classic truck every day, it’s best to discuss your options with an insurance agent or provider who can guide you toward an auto policy that suits your needs.
