Due to the impending approach of Hurricane Dorian, binding coverage has been suspended until further notice in AL, FL, GA and SC. We apologize for any inconvenience. If you are affected by this storm and need to report a claim please contact, 888-451-0757. Stay safe!

Custom Car & Hot Rod Insurance

Hot rods are one-of-a-kind creations that deserve the protection of more than one kind of collector car insurance coverage.

Policy Features

Make sure your one-of-a-kind ride is protected by a policy designed specifically for street rod & custom car enthusiasts.

Competitive Discounts

We offer attractive discounts for modified vehicles valued at $40,000 or higher. More discounts are available for vehicles for vehicles/collections valued over $250,000 and for policies with multiple vehicles.

Agreed Value

Collector vehicles tend to appreciate so it is important to make sure that your insurance policy covers your prized collector for its full value. American Collectors insures Collector Vehicles for the “Agreed value”, meaning that in the event of a total loss, you are paid that amount (less any applicable deductible) with no depreciation.

Zero Deductible

Option providing zero out of pocket cost in the event of a claim.

Mileage Plans

Select the mileage plan that suits your needs—2,500, 5,000 or 7,500.

High Value Vehicle Program

Coverage and discounts for vehicles valued at more than $150,000, or collections valued at more than $250,000.

Towing & Labor for Collectors – Our “TLC” Plan

Affordably priced policy that reimburses for much more than emergency towing & labor. Learn more

Coverage for Vehicles in Restoration

We’ll protect your car throughout the duration of the restoration.

Inflation Guard

Automatically increases vehicle value up to a max of 6%, at no additional cost.

Spare Parts Coverage

Our policy covers damage or loss to a classic “spare part”—up to $500 coverage—at no additional cost. Additional coverage is also available.

Higher Liability Limits and More Deductible Options

More cost and coverage options are now available.

Automatic Coverage for Newly Acquired Vehicles*

Qualifying vehicles purchased during the policy term are automatically covered for 30 days, for values up to $25,000.

Multi-Vehicle Discount*

Available to collectors with two or more qualifying vehicles.

*Program features and availability vary by state. Contact American Collectors Insurance for additional information.