Insurance Designed for Classic & Collector Vehicles
American Collectors Insurance is the highest-rated Collector Car Insurance Provider. Trusted since 1976. Backed by 12,000+ Trustpilot reviews.
SPECIALIZING IN COLLECTOR CARS SINCE
1976
CUSTOMER SERVICE SATISFACTION
99%
FLEXIBLE MILEAGE PLANS & DEDUCTIBLES AS LOW AS
$0
Protection for Collectors. Designed by Collectors.
At American Collectors Insurance we strive to deliver best-in-class service and innovative policy coverages to meet the needs of the collector car owner. We are proud to offer the industry-leading TreasureGuardTM Collector/Classic Car Policy available exclusively through American Collectors Insurance. With TreasureGaurdTM you can choose your Repair Shop of Choice, get reimbursed for Towing, select the milage tier that best fits your needs, and more!
American Collectors Insurance is proud partners with USAA, Carlisle Events, National Street Rod Association (NSRA), American Tri-Five Association, Original Garden State Corvette Club, Atlantic Corvette Caravan along with various local and regional clubs and events.
The Best Just Got Better With TreasureGuard™
When it comes to classic car insurance, you don’t have to settle for a one-size-fits-all policy. Your collector vehicle deserves better. Your collector vehicle deserves TreasureGuard™!
AGREED VALUE COVERAGE (INCLUDED)
Know for certain what you will receive in the event of a total loss.
FULL SAFETY GLASS COVERAGE (INCLUDED)
$0 deductible on windshield repairs/replacements.
BASIC TOWING COVERAGE (INCLUDED)
$50 towing/emergency expense reimbursement.
DISASTER RELOCATION COVERAGE (INCLUDED)
$250 reimbursement to relocate vehicle from harm’s way.
TREASURED TITLE™ (OPTIONAL)
For limited production models or vehicles with special historical or sentimental value.
SAVINGS UP TO 40% VS REGULAR AUTO INSURANCE
Request an online quote in minutes to see how much you can save!
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 |
 |
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|---|---|---|
| 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 Agreed Value Coverage for New Vehicles* | ||
| 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 basis (replacement cost minus depreciation) or Stated Value basis (the insurer can choose the lesser of Actual Cash Value or the amount stated on the declaration page).
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 offer flexible mileage options to fit your collector lifestyle. While most collectors opt for the 2,500 mileage tier, we offer a variety of mileage tiers up to and including an Unlimited pleasure use mileage tier. For further information and to select the plan that best suits your needs, please contact us.
We will consider operators with:
- At least ten years of licensed driving experience is preferred. We may consider as low as five years of 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).