Classic Car Insurance

You’ve customized your ride, now it’s time to customize an insurance policy that will cover your antique or collector car with the care it deserves. In fact, proper coverage is the most important thing to have before you hit the road or attend your next car show or event.

We understand how much time and effort you put into your car. That’s why we offer specialized insurance for antique and classic cars, modified collector cars, reproductions, replicas, restorations and modern classic cars.

Because the marketplace values classic and collectible cars differently, you will need a policy that provides different coverage than “regular use” drivers.

Classic and collectible cars often register as older vehicles on a standard auto insurance policy, which means they aren’t evaluated at their true market value according to standard insurance practices. So if you have an accident, you could end up paying the difference out of pocket on any repairs or replacements you’re not fully insured for.

Classic and collectible car insurance is different than ordinary car insurance because it's geared to cover the full collectible value of your car.

In the same way you’d customize your ride, you need a customized classic car policy, which takes into account the car's collectible value, the miles you drive each year, and many other personalized adjustments.

But unlike standard auto insurance policies, you only pay for what you need because you won’t need full time coverage. So you’ll be surprised at how affordable complete coverage can be for average classic and collectible car owners like you.

When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order.

• Usage: It is your car and you should feel free to drive it. We will tailor your policy to reflect your driving habits.
• Storage: Your collectible car should be stored inside in a secure, locked garage or structure. The following storage facilities normally qualify: residential garage, barn, secure rental storage unit, and others.
• Regular-Use Vehicles: Since you don’t need to drive your “baby" every day, carriers will require that you maintain “regular use” insurance in your name on a daily driver vehicle. Customarily, motorcycles do not qualify as a daily driver nor does public transportation.
• Driver Eligibility: As with other forms of auto insurance, your driving history will also be taken into account. Serious infractions within the last 5 years such as OUI, DUI, excessive speeding, or reckless driving could affect your eligibility, but may not necessarily disqualify you. Minor traffic violations or accidents per household are generally acceptable.

We know that insurance can seem overly complicated at times. That's why we're here.

If you ever have any questions about insuring your classic car or want to discuss your options, please do not hesitate to contact us. We are always happy to help.