Classic & Exotic Car Insurance

The Gold Standard: Agreed Value Coverage

The most important difference between standard auto insurance and collector coverage is how your car is valued:

• Standard Auto:
  Most policies pay based on Actual Cash Value (ACV), which factors in depreciation. If a rare car is totaled, an ACV payout may only cover a fraction of what the vehicle is truly worth.
• Collector Insurance:
  Agreed Value coverage establishes the vehicle’s value upfront between you and the insurer. In a total loss, the policy pays that agreed amount—no depreciation and no surprises.

Specialized Protection for Specialized Machines

Collector policies often include features traditional auto insurance simply can’t match:

• Authentic Parts Options:
  Many specialty policies prioritize OEM or authentic parts—helping preserve originality and historical value during repairs.
• Restoration Shop Choice:
  Specialty insurers often allow you to choose the restoration expert or specialist you trust—rather than steering you to a high-volume repair center.
• Inflation Guard:
  Some policies can automatically adjust coverage limits as market values rise, helping reduce the risk of becoming underinsured over time.

Is Your Vehicle Eligible?

Specialty insurance can cover a broad spectrum of collector and high-value vehicles, including:

• Antique & Vintage vehicles
• Muscle & Classic cars
• Exotics & Hypercars
• Modern Classics and limited editions
• Replicas & kit cars (high-quality builds)

Understanding Usage and Storage

Because these vehicles typically aren’t daily drivers, premiums can be lower than standard auto insurance. To qualify, many carriers look for:

• Limited mileage: Used for shows, club events, and occasional pleasure drives—not commuting.
• Secure storage: Kept in a fully enclosed, locked garage.
• Primary transportation: Owners typically maintain a separate daily driver for routine use.

Why Consult an Expert?

Collector policies have important nuances—especially around valuation, storage requirements, and usage rules. As an independent agency, we compare leading specialty carriers (including programs from well-known collector markets) to find the best balance of protection and price for your vehicle.