Your Classic Car
May Have Full Coverage…
But Is It Fully Protected?
American Collectors Insurance
We are passionate about <br> collector cars &<br> top-rated service
In addition to being the highest-rated collector car insurance company, our fast and convenient quoting tool and collector car specialists help to simplify your needs. You don’t have to settle for a one-size-fits-all policy with a company who you treats you like just another policy number. You and your baby deserve better!
Collector Car Insurance on Your Terms*
- Agreed Value: Know exactly how much you will receive after a “total loss”
- TreasureGuard™: Bonus collector car coverages included at no additional cost
- CARE Packages: Coverage options designed for collectors like you
- Better Coverage for less: Save up to 40% vs. regular auto insurance**
American Collectors Insurance has a team of dedicated collector specialists to help you tailor a policy, select appropriate limits, and coverages.
We’ll help you to determine the right amount of coverage to enable vehicle restoration to pre-loss condition (if repairable) or to be valued appropriately (if involved in a covered total loss).
Real Reviews. Real People. Here’s are What Our Customers Say:
Frequently Asked Questions
We’ve been in business since 1976, and we’re still growing – and innovating – to maintain our excellent reputation in the collector car hobby and the insurance industry.
We can provide insurance for many different types of collector vehicles. This list includes antique and classic cars, trucks and motorcycles, muscle cars, customs, street rods, replicas, antique fire trucks, amphicars, military jeeps and even antique tractors! In addition to our collector vehicle program, we also have an insurance program available for most types of collectibles like automobilia, coins, stamps, playing cards, trains, figurines, and much more.
In the event of total loss, most standard auto policies will settle “total loss” claims either on an Actual Cash Value basis (replacement cost minus depreciation) or Stated Value basis (the insurer is obliged to pay “up to” the amount stated on the policy).
Insured vehicles determined to be a “total loss” on an Agreed Value policy, however, will be settled at the vehicle’s full policy limit (less any applicable deductible) with no deduction for depreciation. Think of Agreed Value insurance as the only way to fully protect your investment!
We have flexible mileage tiers and usage options available. Most collectors opt for the 2,500 mile tier, but we also offer a 5,000 option, and our “Freedom Tier” plan in most states which allows for up to 7,500 miles annually plus occasional general use. For further information and to select the plan that best suits your needs, please contact us.
We will consider operators with:
- A minimum of 5 years of licensed driving experience.
- A good driving record. No more than one moving violation or one at-fault accident within the last 3 years (up to 2 per household).
- One regular-use vehicle for every licensed driver in the household (exceptions may be made for full-time students and retired couples).
We will consider ANY vehicle that has collector merit and is appreciating in value however we require that they are:
- Driven on a limited basis and not as a daily driver.
- Not used for racing, timed events or Driver’s Education.
- Kept in an enclosed, locked garage (alternate garaging options may be permitted; contact our representatives).
* Daily-driven vehicles are not eligible for collector car insurance.
** Coverage for on-track driving not available under this program. Refer to policy documents for full details about coverages, limits, terms and conditions.