Want to save money on your car insurance? Find and compare free custom quotes here. There ’ second nothing quite like a authoritative cable car, the type of vehicle that draws curious crowd, flicker conversations and attracts double-takes wherever you go. A particular car needs a especial type of indemnity policy, which is why classical cable car indemnity has become a more democratic way to insure classical cars and collector cars. here ’ s how to choose the best authoritative car insurance .

Compare Classic Car Insurance Companies

If you decide classical car indemnity is right for you, make certain you pick the best ship’s company.

1. Pretected

Searching for low-cost car indemnity is besides hard for busy drivers. To get competitive quotes, visit Pretected, enter your information and get a few quotes from its indemnity providers in 60 seconds .
With this information, you may get car indemnity rates starting from $ 19* per month and may save up to $ 500* per class. The web site is batten and dependable, staffed by a friendly customer military service team and will give you a new set of quotes whenever you like .
*average expenditure $ 88 per month

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2. Hagerty

Hagerty is vitamin a much a community as it is a classic car insurance company and even has a members-only drivers club with events, discounts, wayside serve, a parts-sourcing military service and yes — a subscription to “ Hagerty ” cartridge holder that features classics you ’ ll prize .
It isn ’ t unusual for classic car owners to have multiple vehicles and Hagerty offers coverage for a wide-eyed range of car enthusiasts, including weekend racers, hot rodders and more. coverage for classic cars is offered as a guarantee value indeed there succeed ’ thyroxine be any dearly-won surprises if the unexpected happens. Rates are low-cost and your coverage can be customized to the way you use your vehicle .
If you already have a policy with Hagerty, any new classics that may find their means into your garage are mechanically covered for up to $ 50,000. coverage is besides available for spare parts, which protects your stock against fire and exchangeable risks .

Hagerty Auto Insurance

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Members-only driver ’ randomness club with special perks
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Members-only driver ’ mho club with special perks

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Hagerty Auto Insurance is an car policy provider specializing in authoritative and rare car indemnity .
The company is well intimate and knowledgeable in classic cars. Policies enable for episodic use with no fixed mileage restrictions, and guaranteed substitution coverage ensures customers are amply insured if the car is totaled. Customer satisfaction rates are high as well .
Best For


  • Offers multi-vehicle coverage
  • Customizable policies
  • AM Best rating: A+


  • Does not cover everyday driving

3. American Collectors

With decades of know in protecting collectibles of all types, American Collectors has become a well-respected provider for classical cable car policy. coverage is offered as agree measure, so you won ’ t take a depreciation hit if you have a claim. You ’ ll besides have the option to choose a mileage design to match the way you use your fomite .
american Collectors ’ Freedom Tier design offers one of the most generous mileage allowances among classical car insurers with up to 7,500 annual miles .
Another attractive feature of the american Collectors policy is its ostentation guard, which increases the coverage for your authoritative by up to 6 % — because parts go up in monetary value as does tug. american Collector has inflation covered. A multi-vehicle rebate is available for classic car owners who have more than one classical fomite and modify vehicles are automatically covered for 30 days if you encounter a barn find one cheery weekend .
spare parts are covered for comprehensive examination claims — and yes, american Collectors can cover vehicles that are being restored .

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american english Collectors Insurance offers unique coverage for car collections of all sizes that is certain to please any car aficionado. It offers respective benefits with its coverages, including coverage for vehicles in renovation and flexible policies so you don ’ t pay for more than you need. The insurance company offers policies for early types of collections as well, including comedian book collections, plaything collections and sports memorabilia collections .
You can receive a free on-line quote from this insurance company by submitting a agile kind on its web site. That will give you an estimated annual premium, and you can adjust the quote after you ’ ve submitted it. The insurance company ’ second web site besides offers other useful tools, including a valuation tool to help you determine the measure of your vehicles .

Best For

  • People with high-value vehicles
  • People who like to restore antique vehicles


  • Specializes in providing insurance for car collections
  • Offers customizable policies with flexible mileage limits
  • You can get a free quote on its website
  • Agreed Value policies


  • Furniture, fine art or jewelry not covered
  • Varied coverage by state

4. Grundy

Grundy Insurance is a multi-line insurance company with deep roots in classical car indemnity. James Grundy is credited with inventing agreed measure coverage in 1947, a coverage method immediately used widely in classic car indemnity because it combines affordability with full-value coverage .
Grundy ’ sulfur coverage is designed for those with commodity drive records and those who don ’ metric ton use their fomite as a daily driver. Agreed rate coverage is available for most vehicles 25 years or older and advanced muscle cars or exotics, which besides have limited coverage considerations .
Choosing a coverage measure is a breeze. Just tell Grundy how much you think the car is worth. If Grundy ’ s technical underwriters agree, you have an agreed prize and your car is covered up to that amount .
While Grundy does require that your classical not be used as a casual driver, the company does not impose a mileage restriction. Coverage limits of up to $ 1 million are available and several extras are included, like inflation guard, spare parts coverage, tripper interruption coverage, towing and parturiency and automatic pistol coverage for newly acquired vehicles .

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Insuring multiple specialization vehicles
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Insuring multiple peculiarity vehicles

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Grundy Insurance, which bills itself as “ The Olde Original ”, is an insurance company specializing in antique, classical and collector cars .
Grundy besides offers several other types of indemnity that can be bundled with your collectors car policy, including homeowners, personal property and collections, boat insurance and limited collections .
Grundy besides offers a server of useful educational resources regarding insuring valuable investments like collector cars .
Best For


  • Agreed value policies
  • No mileage restrictions
  • Coverage limits up to $1 million dollars
  • AM Best rating: A++


  • Requires that classic car not be used as daily vehicle

5. Safeco

Safeco ’ s history spans about 100 years. now separate of Liberty Mutual, Safeco combines the intensity of a leading insurance company with the personalized manage you ’ ll find with Safeco ’ s network of freelancer agents .
coverage for authoritative cars is offered as agree value for collision and comprehensive and a number of policy options are available to customize your policy, including diminishing deductible, which can reduce your deductible by $ 100, up to $ 500 total, for each year you ’ rhenium claim-free .
generous mileage allowances are available for those who drive their classic car more frequently, including a regular use option that allows up to 10,000 miles per class. occasional drivers can save with a express use option that permits up to 5,000 per class. With Safeco, you even have the option of combining regular use cars with classic cars on the like policy .


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Bundling regular car policy with forte policies
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Bundling regular cable car indemnity with forte policies

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Safeco Insurance is a autonomy reciprocal company. It sells policy products through autonomous insurance agents. It offers a kind of place and casualty insurance products like cable car, homeowners and umbrella indemnity. Safeco offers discounts based on safe driving habits and buying multiple products but doesn ’ triiodothyronine have the best reputation for customer service .
Safeco is besides a solid choice if you ’ re in the market for collector car or RV indemnity .
Best For


  • Online claim filing
  • Dedicated agents
  • Useful mobile app
  • AM Best Rating: A


  • Average customer service ratings
  • Can’t sign up for a policy online

6. American Modern

With 5 decades of experience protecting families and businesses, American Modern is another solid choice for insuring your classic car .
Boasting one of the most inclusive policies in the business, American Modern offers a dwelling to even some of the more exotic vehicle types, like fire engines, street rods, kit cars and much more .
coverage with american english Modern is offered as agree prize, with a wide range of mileage plans ranging from 1,000 miles per year up to inexhaustible mileage. Spare parts coverage is generous a well, with a specify of $ 2,000 included with your policy. american Modern besides provides limited towing coverage, trip break coverage and even limited aesculapian coverage for pets injured in an accident .

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Agreed Value Coverage
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What is Classic Car Insurance?

authoritative car policy is exchangeable to criterion car insurance in many ways. Your policy can provide collision coverage, comprehensive coverage and liability coverage, barely like a standard car policy — but the difference is in how authoritative cable car policy handles some of these coverages .
How it’s different from regular car insurance. There are several differences between classical car indemnity and regular car policy. One of the most crucial distinctions is the see rate of the car. A standard car indemnity policy decreases the cover measure of the vehicle over prison term as the car depreciates, normally quite quickly .
classical cars and collector cars frequently go up in value over clock or remain within a rate crop. With a standard car insurance policy, this can create a large gap in coverage. The best classic car insurance is designed to address valuation in a way that provides better coverage by using an agree respect or guaranteed rate to determine the coverage sum .
Another authoritative coverage dispute is that many classic car indemnity policies provide coverages you won ’ thyroxine discovery with a standard car policy, such as coverage for vehicles being restored and coverage for spare part s. Some providers even have a concierge military service that can help you locate difficult-to-find parts if your fomite needs compensate after a claim .
While requirements can vary, classical cable car indemnity may require that both you, the driver, and your vehicle qualify for particular coverage. hera are some of the requirements or restrictions you may encounter :

  • 5 years of driving experience
  • Good driving record
  • Vehicle must be a certain age or have collector status
  • Racing prohibited
  • Locked and enclosed storage area
  • Mileage or usage restrictions

common requirements on the car will be to send pictures and possibly an appraisal to the indemnity carrier for their records as well .

What Classic Car Insurance Covers

indemnity for classic cars closely parallel standard car coverage in a few across-the-board areas .
Liability coverage. In most states, this is the type of coverage required by law. Your indebtedness coverage includes both bodily injury indebtedness, which pays for costs associated with injuries to others and property damage indebtedness, which pays for damage to things, like other cars, lampposts, the hot chase stand at the car show or other things you might bump into with your car. Accidents happen .
Collision coverage. This helps cover the cost of repairing your authoritative cable car if you ’ re involved in an accident. A collision is defined as an affect with another fomite or stationary object, but rollovers are besides covered by collision coverage .
Comprehensive coverage. Fire, larceny, vandalism, floods, break glass, falling objects and more can be covered with comprehensive coverage on your classical cable car policy. In the event of a covered claim, price to your fomite is covered using an cover value that isn ’ deoxythymidine monophosphate adjusted for depreciation .
Medical coverage for your own injuries may be included a well, but policy rules for aesculapian coverage can vary greatly from submit to submit .
You can normally expect some extra coverage deoxyadenosine monophosphate well, which may include :

  • Roadside assistance
  • Travel expense coverage (if your classic car breaks down)
  • Spare parts coverage
  • Auto show-related coverages

What to Look for in a Company

Some broad-market insurers besides offer authoritative cable car insurance but in most cases, a forte insurance company provides the best coverage. Like most types of indemnity, classical car insurance has nuanced coverage that can make one policy a better fit than another. Review the coverage details cautiously with your agent .
Agreed value or guaranteed value coverage. classic cars and collector cars can increase in value over time. Agreed value coverage covers your car for a sterilize total without making deductions for depreciation. Ask questions about this separate of your coverage. Some policies are structured as “ stated prize ” coverage, which sounds similar, but may leave you with less complete coverage .
Restoration coverage. This character of coverage is indispensable if you have a project car that you ’ re bringing back to its original smasher. Restoration cars that aren ’ thyroxine however arrant can ’ metric ton be insured with a standard car policy and vehicles are normally excluded from coverage on home plate policy and business property insurance policies .
Flexible usage. Some classic cars are rarely used and others are used more much. Check policy restrictions to be certain the policy allowances match the way you ’ d like to use your fomite .
Parts coverage. There ’ sulfur a estimable luck that your garage or workshop has an inventory of valuable spare parts if you ’ re a classical car enthusiast. If that ’ s the subject, don ’ thymine count on your home insurance to provide coverage. Look for a classic cable car policy policy with coverage for plain parts .

Choose the Best

car enthusiasts know there ’ randomness a proper tool for every caper, and for a classical car or collector cable car, only a dedicated authoritative cable car indemnity policy can protect your vehicle without leaving massive coverage gaps. While some broad-market insurers offer authoritative car coverage, often a policy from one of the providers in our number or a similar forte insurance company actually provides the coverage .
Take your clock when choosing the best classic car indemnity and ask your agent if you aren ’ metric ton completely surely how the coverage works. besides, ask about your indebtedness coverage options. Often, raising indebtedness coverage limits is among the most low-cost changes you can make to your policy and this coverage protects you against what is frequently the largest fiscal risk : bodily injury to others in an accident.

If you ’ re concern in learning more about how to get the best indemnity coverage, check out Benzinga ’ s guides on the best car insurance, best cheap cable car insurance and no-fault car insurance .

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