Collector Car Insurance
QuoteSavant has partnered with Hagerty, considered the best in the business, to deliver top-tier coverage straight to your garage for your classic and collector vehicles.
In addition to their affordable rates and excellent service, they offer unique options and coverages like:
- Guaranteed Value: Get what your car is worth.
- Flexible Usage – not just to shows and parades!
- Vehicle Under Construction
- Cherished Salvage
Not sure if your car is eligible? The definition of a classic car is changing, with less focus on the year and more on collectability and usage. If it’s not your daily driver, and you have a separate policy for your other vehicles, you likely qualify. Give us a call!
Bottom line? Get better coverage for less with Hagerty!
Quote & Buy Online
Coverage for an old friend
Collector Car Insurance
Coverage for That Special Ride.
Classic. Vintage. Collector. Antique. However you describe it, your car is a mobile piece of history that deserves the utmost protection. Ensure your collector car is covered for every part, every mile, every memory.
Why You Need It
Unlike a conventional car that depreciates the moment you drive off the sales lot, the opposite is true for classic and collector cars. As a result, you need an insurance policy specifically geared toward protecting the appreciation value of your collectible.
The definition of a classic or collector car varies from one insurance company to another, but one common thread is appreciation. While the value of your collector car is greater than its original sales price, the agreed-value coverage between you and your insurer is crucial when considering policy options. Determined by valuation, independent appraisal or other supporting documentation, your car’s agreed value guarantees the coverage amount at the time the policy is issued.
A collector car insurance policy typically includes:
- Collision: provides coverage for damage to your classic car after an accident
- Comprehensive: provides coverage for all other incidents that may occur, apart from collision, including theft and fire damage
- Liability: provides coverage for property damage and injury to third parties
- Spare parts & tools: provides coverage for the purchase of replacement parts and some tools
- Roadside assistance: provides coverage for services like on-site mechanical support and towing
- Unlimited mileage: provides coverage for all the miles you drive
Ready to get started? We’re here and ready to help! Complete the quote request form above or call (833) 464-8046.
QuoteSavant, the wise way to shop for insurance.
Classic Car Insurance FAQs
The definition of a classic or collector car can vary, but generally, it includes cars that are older, well maintained and used for recreational purposes and not daily commuting.
Collector car insurance is tailored to the unique needs of vintage vehicles, and most importantly includes agreed-value coverage, which means the insurer and the car owner agree on the car’s value, considering factors like its condition, rarity and market value.
In many cases, yes. Collector car insurance premiums are often lower than those for regular auto insurance because collector and classic cars are typically driven less frequently, are well maintained and are less likely to be involved in accidents.
Collector car insurance policies often have usage restrictions that limit the number of miles you can drive annually. The intended use is usually recreational or for special events rather than daily commuting.
Yes, most collector car insurance policies will cover modifications or customizations, but it’s essential to disclose these changes when obtaining a quote. The agreed value may take modifications into account. Also consider that high horsepower or racing modifications should be disclosed as well.
Yes, collector car insurance often includes coverage for events such as auto shows, exhibitions or parades. Discuss how you plan to use the car with your licensed QuoteSavant expert, as cars that aren’t actively driven and are exclusively used for shows may be eligible for lower rates.