Classic & Collector Vehicle Insurance
Specialty coverage through Hagerty and other top carriers for the vehicles you have worked hard to find, restore, and keep.
Get a Classic Vehicle Quote Call 651-349-7799Why It Matters
A standard auto policy pays actual cash value, which factors in depreciation. For a classic vehicle, that number is almost always far below what the car is actually worth. Specialty coverage pays agreed value: the number you and the insurer agree on upfront.
Coverage Options
We work with Hagerty and other specialty carriers to build the right policy for your vehicle and how you use it.
The most important feature of any classic vehicle policy. You and the insurer agree on the vehicle's value upfront. In a total loss, that is exactly what you receive, no negotiation, no depreciation.
Restoration projects involve parts, tools, and equipment that standard policies ignore. We can cover spare parts stored at your home or garage.
Hauling your vehicle to a show or a shop? Your collector car and trailer can be covered during transport, not just when it is in your garage.
Collector-car roadside is different from standard roadside. You get technicians who understand vintage vehicles and flatbed towing, not a hook and chain.
Whether you are showing at a local cruise night or a regional concours, your vehicle can be covered for events, including display and participation.
Even when it is sitting still, your vehicle needs protection. Fire, flood, theft, and vandalism coverage applies whether it is in your home garage or a storage facility.
Vehicles We Cover
We cover a wide range of collector and specialty vehicles. If you are not sure whether yours qualifies, just call us.
We are proud to offer coverage through Hagerty, the most recognized name in classic and collector car insurance. Hagerty was built specifically for enthusiasts, with agreed value policies, collector-focused claims handling, and a community that understands what these vehicles mean to their owners.
Why Choose Us
We understand that a classic vehicle is not just transportation. We take the time to understand your vehicle, your usage, and your goals before recommending a policy.
No call centers. You talk to the agent who set up your policy and knows your vehicle.
We work with Hagerty and other carriers built specifically for classic and collector vehicles, not standard auto insurers trying to adapt.
As your vehicle appreciates, we can update your agreed value to keep pace. Your coverage should reflect what the car is actually worth.
How often do you drive it? Is it in a heated garage? Are you still restoring it? The answers change the policy, and we know what to ask.
Common Questions
It depends on the carrier and the type of vehicle. Generally, vehicles 25 years or older qualify as antique or classic. Some carriers cover vehicles as young as 15 years if they are rare, limited production, or have collector value. Call us and we will figure out what fits your vehicle.
Most specialty policies are designed for limited use, which is part of what keeps premiums low. If you drive your vehicle daily, we can still find coverage, but it may look different. Let us know how you use it and we will find the right fit.
Agreed value means you and the insurer agree on the vehicle's worth when you buy the policy. If there is a total loss, you receive that agreed amount with no depreciation deducted. Standard auto policies pay actual cash value, which factors in depreciation and almost always results in a lower payout.
Yes. Many specialty carriers offer coverage for vehicles in active restoration. Coverage typically applies to the vehicle in its current state, with the ability to update the agreed value as the restoration progresses.
Yes, and most carriers offer multi-vehicle discounts for collector policies. Whether you have two cars or a full collection, we can put together a policy that covers everything and takes advantage of available discounts.
Call us or request a quote. We will ask the right questions and find coverage that actually fits your vehicle.
Get a Classic Vehicle Quote Call 651-349-7799