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Classic Car Insurance

American Collectors Insurance is driven by a shared passion for classic cars. Your classic car insurance policy will be tailored to fit your individual needs.

Our team of collector car insurance specialists is dedicated to making insurance accessible and straightforward for classic car owners.

Classic Car Insurance Quote

Benefits Of American Collectors Classic Auto Insurance

American Collectors Insurance has been a leading name in classic car insurance since 1976.

Unlike regular auto insurance, we provide personalized coverage and flexible mileage options to suit your collector vehicle’s needs. In the event of a covered total loss, our Agreed Value coverage will cover the full value of your car.

Whether you own antique cars, replicas, or vintage motorcycles, our commitment to accessible and specialized coverage sets us apart. Step away from standard auto insurance and experience the dedicated protection of our classic car insurance policy, backed by decades of expertise.

Features For Collectible Car Insurance Policies

Agreed Value coverage guarantees full payment of the Agreed Value (minus the deductible) in case of a covered accident resulting in a total loss, without factoring in depreciation.

American Collectors Insurance policies include complimentary TreasureGuard™ benefits like using your repair shop of choice, basic towing, and more, at no added cost.

Our Collector Auto Reimbursement and Expenses (C.A.R.E.) plans provide protection for towing and transportation for your classic vehicle.

Our tailored mileage plans give you flexibility to customize your classic car insurance policy to match how much you actually drive your collector vehicle.

We have a wide range of discounts available, such as: high-value vehicles ($250K+), multi-vehicle policies, mature drivers, garage security, and much more.

In the event of a covered total loss to your collector car, inflation guard automatically adjusts the Agreed Value limit for your vehicle.

We offer up to 30 days of automatic coverage for qualified collector vehicles that you purchase during your policy term (up to $100,000).

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

Customize your deductible & liability limit options to suit your unique needs.

Discounts are available to collectors with multiple qualifying vehicles, including hot rods, muscle cars and more.

Underwriting Process For Collector Car Insurance Policies

At American Collectors Insurance, we streamline the process for getting classic car insurance. These are the basic steps that go into our underwriting process:

Risk Assessment

Auto Policy Coverage Customization

Application Approval

Get A Collectors Insurance Quote In Just Minutes

Classic Collectible Cars That We Insure

We feature comprehensive and flexible Agreed Value insurance policies for almost any type of collectable car

American Collector’s Insurance Reviews

Frequently Asked Questions

We will consider drivers with:

We will consider any vehicle that has collector merit and is appreciating in value. However, we also require that they are:

If you have questions about our collector car insurance policies, call 1-866-516-9490, Monday- Friday from 8:00 a.m. to 8:00 p.m. EST & Saturdays from 8:00 a.m. to 5:00 p.m. EST. You can also email us at info@americancollectors.com.

Classic car insurance coverage can often be more affordable than standard auto insurance. This is because classic car policies consider factors like limited usage, careful storage, and the appreciation of vehicle value, which can lead to lower premiums compared to regular car insurance.

The best insurance for a classic car is a classic car policy specifically designed for these unique vehicles. Unlike standard auto insurance, classic car insurance offers specialized coverage that considers the car’s value, usage, and storage. This tailored approach ensures that classic car owners get the right protection without unnecessary exclusions.

Yes, classic cars typically receive better insurance through specialized classic car insurance policies. These policies offer more appropriate coverage than standard auto insurance because they account for the distinct characteristics of classic cars, such as limited usage and appreciating value. This can lead to more comprehensive protection without common exclusions found in regular car insurance.

Classic car insurance is a specialized form of coverage offered by certain car insurance companies. It’s designed to cater to the unique needs of classic car owners and their vehicles. This type of insurance policy takes into account factors like limited usage, storage, and the appreciation of a classic car’s value over time.

Classic and standard auto policies differ significantly. While regular auto insurance covers vehicles used daily, collector cars have unique coverage through classic car insurance policies due to limited usage. Regular insurance bases “total loss” claims on depreciated value, but we employ the Agreed Value method, ensuring a predetermined payout for your collector vehicle in case of a loss.

Classic cars can be cheaper to insure due to factors like limited usage, careful storage, and their appreciating value. Classic car insurance policies are tailored to these unique characteristics, leading to lower premiums compared to regular car insurance. Additionally, classic car policies often come with fewer exclusions and more accessibility for classic car enthusiasts.

Collector’s Insurance In Specific States

Discover more about the states that we insure in, and the specific rules that relate to those states (any differences).