Protection for a single classic car or a prized collection

American Modern has one of the most inclusive collector car programs in the industry, covering many types of collectors, vehicle, operators, and values.

• Muscle cars
• Antiques
• Street rods
• Replica and kit cars
• Race cars
• Motorcycles
• Tractors
• Restorations in process

• Classic cars
• Exotics
• Customs
• Cobra replicas
• Trucks
• Military vehicles
• Fire engines

Every policy includes

Agreed value loss settlement

A car can be worth more than the depreciated value listed in a price book. Once we agree on a value for your prized possession, that's what you'll get in the event of a total loss. There's no depreciation or questions.

Unlimited miles

Choose the annual mileage plan that best fits how you use your car -- 1,000, 3,000, 6,000 or unlimited.

One liability charge

While most standard auto companies charge liability [?] Liability coverage
Casualty insurance has three components: liability, collision, and comprehensive. The liability portion of the policy covers your legal responsibility for bodily injury to someone or damage to someone's property. It does not include physical damage protection for your own vehicle or injuries. for every vehicle on the policy, we charge one flat rate regardless of the number of vehicles on the policy, saving you money.

Spare parts

We include $2,000 for lost or stolen spare parts. The limit can be increased.

Towing

We include $75 to cover towing costs. This coverage can be upgraded. Learn more

Trip interruption

We'll pay up to $150 per day for transportation, lodging, and meals if your vehicle becomes disabled more than 50 miles from home for at least 24 hours.

Pet coverage

We provide up to $750 in coverage for a pet injured while in the vehicle.

Deductible options [?] Deductible
When a covered loss occurs, a defined portion of the loss is the responsibility of the policyholder. Depending on the policy type, the deductible can be either a set dollar amount or a percentage of the claim. Increasing or decreasing the deductible will alter the premium for your policy because it shifts the likelihood that a claim will be filed.

From $0 to $10,000.

Standard auto coverage

Our program includes bodily injury, property damage, collision [?] Collision coverage
Casualty insurance has three components: liability, collision, and comprehensive. The liability portion of the policy covers your legal responsibility for bodily injury to someone or damage to someone's property. It does not include physical damage protection for your own vehicle or injuries. comprehensive [?] Comprehensive coverage
Casualty insurance has three components:liability,collision,
and comprehensive.The comprehensive portion of the policy protects your vehicle from physical damage caused by anything other than a collision,such as fire, windstorm or vandalism. Theft is also a comprehensive coverage. and uninsured motorist [?] Uninsured motorists
Not everyone purchases adequate insurance, or even has insurance. If you are unfortunate to be in an accident caused by someone with inadequate insurance, you can be stuck with the bill. To protect yourself, you can add uninsured and/or underinsured motorist coverage to your policy. This extra coverage fills in the gap between the policy coverage of the at-fault driver and the actual cost of the damages or injuries. Depending on your state, it may include medical payments [?] Medical payments
Included in casualty policies is coverage for medical expenses caused by an accident-related injury.It is intended to cover basic medical costs without the need to assign responsibility for the accident.The coverage amount is generally a
few thousand dollars.It is separate from liability coverage. and personal injury protection (no-fault).

New purchase coverage

Any new addition to your collection, valued up to $50,000, is covered for 30 days to allow time to formally add the car to the policy. Collectors can increase these limits.

Save up to 45 percent

Collections valued over $150,000

A range of credits are offered based on the security features and fire resistance of the building where the collection is stored, and whether the collection is split among several locations.

Car club membership

A 10 % credit applies for membership in an approved club.

Anti-theft device

• Alarm only – 5%.
• Active disabling device – 5%
• VIN etching – 15%
• Electronic vehicle ID system – 20%

Accident prevention course

Offered in some states, this discount saves 5 to 10%

Flexible payment options

Option 1 -- start EZPay to automate your payments

Many customers want the convenience of monthly or quarterly automated bill payments. With EZPay, a withdrawal is made from a bank account you specify, or charged to your credit card. We let you pick the date of the month for the payment (1 to 28). Once EZPay begins, we will stop mailing invoices.

Option 2 -- pay after we send you a bill

You either can pay in full at the time you start or renew the policy, or in many states we offer installments on a 4-Pay schedule – a quarter up-front with an installment due every 60 days. A service fee applies to each installment. Pay by personal check, credit card, or bank account transfer.

Some states place limits on the payment plan schedules we can offer or the service fee. To confirm, check with your agent or call Customer Care at 800-543-2644.