Standard auto insurance treats your classic like a used sedan—depreciating it every year. We treat it like the investment it is. Protect the passion, the history, and the value.
If you insure your 1969 Camaro on a standard auto policy, the insurer sees an "old Chevy." If it's stolen or totaled, they calculate depreciation. You might have put $50,000 into the restoration, but they might offer you $10,000.
We do it differently. We use "Agreed Value." We agree on the value of the car upfront (e.g., $65,000). If a total loss occurs, you get a check for that exact amount.
Why adding your classic to your daily driver policy is a risk.
| Feature | Standard Auto Insurance | Our Collector Policy |
|---|---|---|
| Total Loss Payout | Actual Cash Value (Depreciated) | Agreed Value (Guaranteed) |
| Appreciation | A car loses value yearly | Car gains value (150% Guard) |
| Spare Parts Coverage | Usually $0 | $500 included (up to $10k avail) |
| Choice of Repair Shop | Network shops only | Any Specialist You Choose |
| Deductible | $500 - $1,000 | $0 Deductible Options |
It doesn't have to be a Model T. If it's cherished, stored in a garage, and not your daily driver, we can likely protect it.
Vehicles 25 years or older. Stock or lightly modified. The backbone of car culture.
80s, 90s, and 00s vehicles that are rising in value. Think Fox Body Mustangs, Supras, or E30s.
Heavily modified? No problem. We document your parts list to cover the cost of upgrades.
Classic pickups, Land Cruisers, and Broncos are used for shows and pleasure drives, not utility work.
You don't have to wait until the engine turns over to get protection. Whether it's a rolling chassis or a pile of parts in your garage, our Restoration Coverage protects your investment as you build it.
Quarterly value increases of 10% to keep up with the parts and labor you're adding.
Optional coverage for your Snap-on cabinet, lifts, and specialty tools stored in the garage.
Your passion spills over onto the garage walls and shelves. We protect the rare parts and collectibles that make your garage a museum.
Add Automobilia Coverage →Switching takes about 15 minutes. Here is how it works.
Tell us the Year, Make, Model, and your desired Agreed Value. We'll give you a rate instantly.
Upload 4 photos of the car (interior, exterior, engine). No in-person appraisal required for most cars.
Sign online. We send your binder immediately so you can register the car or head to the show.
Standard roadside assistance sends the closest truck. We know that it can destroy a vintage bumper or exhaust system. Our policy guarantees a flatbed with soft straps, ensuring your vehicle is handled with surgical care if it ever breaks down.
Let's lock in that value today. It takes 5 minutes to protect a lifetime of passion.
