Classic Car Insurance
Protect Collector Cars
Get The Right Kind Of Coverage For Your Classic Car
It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years. Not all classic or antique cars are used the same!
Classic Car Insurance
What You Need To Know
Do you need the insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or another collector car? Here are some features you should look for when shopping for classic car insurance:
Agreed Value
This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.
Generous Mileage
You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.
Coverage Options
Not all collector cars are the same, so Jeff Munns Agency, Inc. can work with you to determine the right amount of coverage to meet your specific needs.
Low Rates
Why pay full-time insurance when you drive your collector car only part-time?
Roadside Assistance
Whether you’re down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.
What People Are Saying
FAQ
How is classic car insurance different from regular auto insurance?
Classic car insurance is designed specifically for collector vehicles that appreciate or hold value over time. Standard auto policies pay actual cash value because your vehicle loses value over time. Classic car policies offer agreed value coverage — meaning you get the full insured amount in a total covered loss, not a depreciated payout.
What is agreed value coverage and why does it matter for classic cars?
Agreed value means you and the insurer agree on the car’s value upfront. If the car is totaled due to a covered loss, you receive that full agreed amount (minus any deductible), rather than a lower market or actual cash value. This is especially important for collector cars that gain or maintain value over time.
Is there a mileage limit on classic car insurance?
Every Insurance company has mileage limits for antique or collector vehicles. Most recommend keeping collector car driven mileage under 2500 miles annually. Jeff Munns Agency can help find a policy that fits how you actually drive your car.
What types of classic cars can be insured?
Coverage is available for a wide range of collector vehicles including Mustangs, Camaros, Chargers, Corvettes, Thunderbirds, muscle cars, antiques, and other unique collector cars.
Does classic car insurance include roadside assistance?
Yes it may be added. It is worth looking for a policy that includes roadside assistance that will flatbed your classic car to the nearest qualified repair facility, whether you’re close to home or on a classic car rally.
Why is classic car insurance typically less expensive than standard auto insurance?
Because collector cars are driven far less than everyday vehicle. Insurers offer lower rates for classic cars that reflect the reduced exposure.
Can I get classic car coverage tailored to my specific vehicle and usage?
Yes. Not all collector cars are used the same way, so Jeff Munns Agency works with clients individually to determine the right coverage based on your specific needs.
Informational statements regarding insurance coverage are for general description purposes only. Read our disclaimer.
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