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#1 Rated Collector Car Insurance

Exceptional and fast customer support

Michelle and the ACI team provided exceptional customer support! I was dealing with stipulations that Hagerty put on me for the 1963 Impala and USAA referred me to American Collectors Insurance. They beat Hagerty’s rates and when I called later to add a lien, Michelle got it done and documents emailed to me with extraordinary speed. I give this experience two thumbs up and 5 stars! Keep up the great work guys.

What really sold it for me to switch, simple “Customer Service”. The insurance agent “Karla”, what a breath of fresh air. Made me feel welcome, just like my policy with USAA. The kicker is, since we have an existing USAA policy we get a discount on American Collectors Insurance for me collector truck. Had it not been for “Karla” pointing out a couple of places I could add more coverage – zero deductible, that’s right “Zero”, for any accident. Karla saved me over $100, insuring my ‘76 Ford Highboy. Thanks to a sweetheart of a pleasant soul “KARLA” we switched from Hagerty to American Collectors.

Their customer service is the best. I can always get a real person and they are knowledgeable. I called them recently about a windshield glass claim and they said I was covered and no deductible. I was floored. Had one other claim for Hurricane Sandy and they could not have been more professional. I highly recommend American Collectors to all my friends.

Our Insurance Products

Classic & Collector Cars

Custom Cars & Hotrods

Exotic & Collector Imports

Collector Trucks & SUVs

Classic Motorcycles

Popular Collectibles

Premium Protection and Personalized Service for Any Collector

At American Collectors Insurance, we are dedicated to delivering top-rated insurance solutions that cater to a wide variety of collectibles and collector’s items, including Agreed Value auto insurance tailored for collector vehicles, classic cars, vintage automobiles, antique trucks, and even timeless classic motorcycles.

Do I Qualify for Collectors Insurance?

See if you meet a few simple collectible / classic car insurance requirements.

What’s My Classic Car Worth?

Free online resources to help you estimate your collector car’s current value.

American Collectors Offers C.A.R.E. for Your Classic Car

Flexible Towing and Transportation Coverage

Imagine this: Your classic car encounters a flat tire, a dead battery, or any unforeseen issue on the roadside. With our Collector Auto Reimbursement and Expenses (CARE) plans, you’re in control.

You have the freedom to choose the towing or emergency roadside service company that suits your situation best. Then, you’ll be eligible to have transportation and service costs quickly reimbursed, up to the predetermined policy limit.

We believe you should have a say in the process, ensuring that you and your cherished classic vehicle receive the care you both deserve.

Join the Community of Collectors

At American Collectors Insurance, we believe strongly in the power of community. Connect with fellow classic car owners, collectors, and enthusiasts. Stay informed about community events and collector car clubs in your area.

Why Choose American Collectors Insurance?

Since 1976, American Collectors Insurance has provided peace of mind for classic car collectors and vintage vehicle enthusiasts with industry-leading classic car insurance protection. At American Collectors, we make it easy to obtain an Agreed Value collector car insurance policy personalized for you.

We understand that your collector vehicle is not just a possession, but is a reflection of your passion and dedication.  Our dedicated team of collector insurance specialists is here to tailor a policy to your unique needs for your prized collector vehicle, classic car or collectible.  We’re here to help you select an appropriate coverage amount that allows you to repair your vehicle or receive the full Agreed Value (if you experience covered total loss).

What Sets Us Apart:

Frequently Asked Questions (FAQs) about Collector Auto Insurance

Tennessee policyholders affected by the recent tornadoes can request additional time to make payments or to have a policy reinstated if cancelled due to non-payment during this time. You can reach  American Collectors at (800) 360-2277.

Classic car insurance and regular auto insurance differ significantly in their coverage and approach. Here’s a breakdown of the key distinctions:

1. Coverage Focus:

Regular Auto Insurance: This type of insurance typically covers your vehicle on an Actual Cash Value (ACV) basis. It’s designed for newer vehicles that are depreciating in value, vehicles driven regularly, or those that can be readily replaced after an accident.

In the unfortunate event that a total loss accident occurs, the ACV estimate for the vehicle is determined by a claims adjuster, which factors in vehicle depreciation, excess mileage, vehicle condition, geographic location, and a variety of other factors.

Note: ACV estimates for regular auto insurance don’t usually account for any additional equipment or improvements that you added/modified or were not on the original vehicle when sold new (e.g., vehicle restoration costs, modifications, safety/performance/comfort upgrades, custom paint, etc.).

Classic Car Insurance: Collector car insurance is designed for “special” vehicles which are not driven frequently and generally covers claims on Agreed Value basis.  This means that, when the insurance policy starts, both the customer and the insurance company agree on a specific value for the vehicle, and the Agreed Value is listed on the policy declarations page, before any potential total loss incident occurs.

Providing certainty on your classic car’s “total loss value” and offering an enhanced policy provides peace of mind to classic and collector car owners.  We strive to ensure that your financial investments in purchasing, restoring, or upgrading the vehicle are adequately protected should a total loss occur.

2. Additional Policy Benefits from Collector Car Insurance:

Classic car insurance policies often come with built-in or optional coverages tailored to classic car owners’ needs and preferences. These can include:

In summary, classic car insurance is designed to address the unique needs of classic and collector car owners. With Agreed Value coverage, additional benefits, and a focus on preserving the value of these vehicles, classic car insurance offers a tailored solution that sets it apart from regular auto insurance.

How can classic car insurance offer better, enhanced coverage and cost less than regular auto insurance at the same time? Classic car insurance offers notable cost advantages over regular auto insurance due to specific usage patterns and risk factors associated with collector vehicles. Here’s why classic car insurance premiums are generally lower:

1. Limited Usage:

Pleasure or Hobby Use: To be eligible for classic car insurance, the vehicle is typically required to be used primarily for pleasure or hobby purposes. This means it’s not driven regularly for business, commuting, or general everyday use. Collector vehicles are often cherished possessions used selectively, resulting in lower annual mileage. Limited usage significantly reduces the likelihood of accidents, contributing to the lower risk profile associated with classic car insurance.

2. Reduced Risk of Accidents:

Traffic Conditions: Because classic cars are driven fewer miles each year and usually driven on special occasions, leisurely drives or hobby-related activities, exposure to potential accidents is inherently lower. This diminished usage translates into a lower frequency of collisions or types of loss, ultimately leading to fewer claims being filed.

3. Fewer Injury Claims and Injury-Related Costs:

Claim Frequency and Severity: Collector vehicles are typically well-maintained, carefully preserved, and driven by dedicated enthusiasts who prioritize safety and drive during times of less traffic congestion. Consequently, these vehicles involved in fewer accidents and have a lower frequency of accidents with injury. Additionally, due to limited occupancy and cautious driving, the risk of injuries to passengers is generally lower.

4. Favorable Premiums:

Fewer Claims = Lower Premiums: The combination of limited usage, reduced risk of accidents, and lower claims costs significantly influences the insurance premiums for classic car owners. Insurers factor in these elements when calculating rates, leading to more affordable premiums for classic car insurance policies, with savings up to 40% vs regular auto insurance.

In summary, classic car insurance offers cost savings due to the specialized usage, reduced risk of accidents, and lower claims and injury costs associated with collector vehicles. By insuring vehicles primarily used for pleasure and driven less, classic car insurance provides enthusiasts with robust insurance coverage at a fraction of the cost of regular auto insurance.

To ensure your vehicle qualifies for coverage under a collector auto insurance policy, it’s essential to meet specific storage criteria. Adequate protection and storage when your vehicle is not in use are crucial. The following storage options are considered eligible:

Ensuring that your classic car is properly stored and protected during periods of inactivity is vital to maintaining its value and condition. By adhering to these vehicle storage requirements, you not only meet the eligibility criteria for a collector auto insurance policy but also safeguard your cherished investment.

To be eligible for a collector car insurance policy, the driving frequency / annual mileage of the collector vehicle should be primarily for hobby-related activities and occasional pleasure use. It’s important to note the following guidelines:

Select an Annual Mileage Plan Right for You:

To accommodate your anticipated usage, collector car insurance policies often offer flexible annual mileage plans tailored to the estimated number of miles you intend to drive each year.  Depending on the company, collector car insurance programs may offer an unlimited annual mileage plan for vehicles that are used primarily for hobby-related activities.

For personalized guidance and to tailor your insurance plan according to your collector car usage and needs, don’t hesitate to reach out to our collector insurance specialists at (800) 360-2277.

To determine eligibility for a classic car insurance policy, the age and characteristics of the vehicle play a key role. Here’s what you need to know:

Core Characteristics of Collector Car Insurance:

Classic car insurance is designed to protect “enthusiast vehicles” with Agreed Value insurance protection, provided that the vehicle/coverage meet certain criteria:

It’s important to note that eligibility for collector auto insurance is not solely determined by the age of the vehicle. Other factors, such as uniqueness and collectability, also come into play.

For a personalized assessment of whether your vehicle qualifies for collector auto insurance coverage, reach out to our collector insurance specialists at (800) 360-2277. Our experts are available to guide you through the qualification process and help you secure the right coverage for your valuable collector vehicle.

Collector car insurance offers coverage for a diverse range of vehicles that are considered collectible. Here’s a comprehensive list of vehicle types that may qualify:

Determining if your vehicle is eligible for collector car insurance is based on several key criteria. Here’s what you need to know:

Eligibility Criteria:

To be eligible for collector car insurance, your vehicle should meet one of the following definitions:

Usage Guidelines:

Additionally, the usage of your antique or classic vehicle should align with certain guidelines:

Storage Requirements:

Finally, proper storage of your vehicle is crucial:

By meeting these eligibility criteria and adhering to the usage and storage guidelines, you increase the likelihood of your vehicle qualifying for collector car insurance coverage.

Yes, your driving record does play a role in determining your eligibility and costs for collector car insurance. Here’s how it can impact your coverage:

Eligibility Considerations:

Having multiple accidents or driving violations on your record may affect your eligibility for collector car insurance. Insurers generally seek responsible and safe drivers who align with the specific usage patterns of collector vehicles.

Cost Implications:

Your driving record can also influence your collector car insurance premiums. While your insurance application might not be denied, a history of claims or excessive driving violations could lead to higher insurance costs. Insurers assess risks based on driving behavior, and a less-than-favorable record might result in increased premiums.

Read more on collector car insurance eligibility here.

Classic car insurance and collector car insurance are related terms, but they hold distinct meanings within the realm of vintage and unique vehicle coverage. Here’s how they differ:

Classic Car:  Classic cars fall within the definition of collector cars, but they’re a subset limited to vehicles that fit specific age parameters.

Collector Car:

Customized Protection through Collector vs Classic Car Insurance: Classic car insurance vs. collector car insurance are synonymous, referring to enhanced Agreed Value insurance policy protection on a non-daily driven, “special” vehicle.

American Collectors stands out with its exceptional TreasureGuard Classic and Collector Car Insurance. This industry-leading classic auto insurance policy, offered in partnership with American Modern Insurance Group, offers a host of benefits that set it apart beyond Agreed Value coverage. Here’s what makes TreasureGuard unique:

Unparalleled Protection:

American Collectors’ TreasureGuard Classic and Collector Car Insurance goes beyond traditional auto insurance coverage, offering an array of features that cater to collectors’ unique needs. This policy is a testament to our commitment to providing exceptional protection for your cherished collector car.

Enhanced Coverages in Base Policy:

Optional Coverage Packages: The TreasureGuard policy offers four optional coverage packages, allowing you to customize your policy to your exact coverage needs.

Extraordinary Customer Service:

American Collectors Insurance is proud to be ranked the #1 rated Classic Car Insurer among the leading, consumer-rating sites (e.g., Trustpilot, Google Reviews, Facebook and BBB). Our team shares your excitement about collector vehicles, understanding that your special vehicle is more than just a car, it as a member of your family.

Navigating the nuances of auto insurance coverage options can be complex, especially when it comes to insuring your classic or collector car. Here’s a breakdown of the key differences between three primary methods of settling total loss claims:

Actual Cash Value (ACV) Coverage:

Agreed Value Coverage:

Stated Value Coverage:

Selecting the Right Coverage:

It’s crucial to understand how your insurance policy handles theft or total loss accidents involving your collector vehicle. Agreed Value coverage provides additional peace of mind by ensuring you have certainty about your vehicle’s “total loss value.” This level of coverage provides classic and collector car owners the assurance that their financial investments in purchasing, restoring, customizing, or upgrading their vehicles are adequately protected.

Understanding the breadth of coverage offered by classic car insurance is essential for protecting your cherished investment. Here’s what you need to know about the types of losses that a classic car insurance policy covers:

Coverages Comparable to Regular Auto Insurance:

A classic car insurance policy may include the primary coverages found in a standard auto policy, depending on the coverage options you select. These essential elements may include:

Enhanced Physical Damage Coverage on Your Vehicle:

Bonus Coverages Available with Collector Car Insurance Policies: Depending on your selected collector car policy, you may enjoy bonus coverages at no extra cost, such as: Towing and Emergency Expense coverage, Full Safety Glass coverage with a $0 deductible, Disaster Relocation Expense coverage, Automotive Tools and Spare Parts coverage, Incidental Travel Expense coverage, and even Injured Pet coverage. Tailored Optional Coverages:

Your collector car insurance policy can be further personalized with optional coverage enhancements.  These options include: adding /enhancing towing and roadside assistance, option to buyback salvage on total loss vehicles, rekey your locks post-theft, waiving deductibles on total losses, offering rewards for information on thefts or hit-and-run accidents, and reimbursement for expenses resulting from fraudulent titles or VINs. Elevating Classic Car Ownership:

Collector car insurance goes beyond conventional auto insurance policies. It’s designed to enrich your classic car ownership journey by offering enhanced coverage, convenience, and security.

Discover the specialized protection and added benefits of collector car insurance. Contact us at: (800) 360-2277 to explore the tailored coverage options available.

In order to create marketing differentiation, GUARANTEED VALUE was registered by The Hagerty Group, LLC as a brand name for its “Agreed Value” insurance coverage program ( https://uspto.report/TM/86765285 ).

This trademark/wordmark is clarified in an FAQ answer to the question: “What is the difference between agreed value and stated value insurance coverage?” https://www.hagerty.com/insurance/classic-car-insurance

The TreasureGuardTM Classic and Collector Car Insurance Policy utilizes the more widely-known/accepted insurance term “Agreed Value” to describe our insurance coverage.  “Agreed Value” coverage is a valuation/claims settlement methodology term that is used across many different types of property insurance, including small business insurance, auto insurance, homeowners insurance, boat insurance, etc.

You can determine if your collector car insurance policy has Agreed Value coverage (or its equivalent) by looking for references to “agreed value” in the “LIMIT OF LIABILITY” section under “PART D – COVERAGE FOR DAMAGE TO YOUR AUTO” in your collector car insurance policy.

Sample Language to verify if your classic car insurance policy has Agreed Value coverage:  “In the event the property is stolen, totally destroyed, or deemed a constructive total loss we will pay the agreed value as shown on the Declarations.”