American Collectors Insurance Logo 2021

Talk to a Collector Specialist

(800) 360-2277

Protect your passion. Get a quote in seconds.

Agreed Value. Zero deductible. A choice of mileage plans. Get a free quote for collector car insurance!

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SPECIALIZING IN COLLECTOR CARS SINCE

1976

CUSTOMER SERVICE SATISFACTION

99%

FLEXIBLE MILEAGE PLANS & DEDUCTIBLES AS LOW AS

$0

Our Main Benefits

When it comes to classic car insurance, you don’t have to settle for a one-size-fits-all policy. Your baby deserves a lot better!

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AGREED VALUE COVERAGE

You are paid the Agreed Value, less any applicable deductible, with no depreciation in the event of a total loss.

mileage-road

FLEXIBLE MILEAGE

Enjoy the freedom of a customized mileage tier that fits your driving needs.

piggy-bank

RATES UP TO 40% LESS

than standard auto policies. Get better coverage at the right price!

specialist

COLLECTOR INSURANCE SPECIALISTS

Get personal guidance from licensed professionals, even on Saturdays.

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What Our Customers Say

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Details That Make a Difference

Check out American Collectors Insurance compared to standard auto insurers and you’ll see why we’re the best choice by far!

Standard Auto Insurers
Collector Insurance Specialists
Agreed Value Coverage
Flexible Mileage Plans
Safety Discounts
C.A.R.E. Emergency Roadside Plan
Restoration Protection
Inflation Guard
Spare Parts Coverage
Higher Liability Limits
More Deductible Options
Automatic New Vehicle Coverage
Multi-Vehicle Discount

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

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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, trading 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 (ACV) basis (replacement cost minus depreciation) or Stated Value basis (the insurer has the option to pay “up to” the amount stated on the declarations page or ACV), whichever is less.

Insured vehicles determined to be a “total loss” on an Agreed Value policy, however, will be settled at the vehicle’s predetermined Agreed Value 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 to match your collector lifestyle. Most collectors opt for the 2,500 mile tier, but we offer different mileage tiers such as 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:

  1. You’ve been driving for at least ten years. Five to nine years driving experience may be consider as an exception.
  2. 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).
  3. 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:

  1. Driven on a limited basis and not as a daily driver.
  2. Not used for racing, timed events or Driver’s Education.
  3. Kept in an enclosed, locked garage (alternate garaging options may be permitted; contact our representatives).

Tailored coverage. Personalized service. Exceptional price.

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