Collector Car Insurance Details

Our collector car program protects a single classic or a prized collection with options and discounts you can customize to fit your baby.

Discounts can save you 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%

*This list may vary somewhat by state. The actual discount percent will vary based on the kind of coverage selected.

 

Included coverage

Our program includes bodily injury, property damage, collision, comprehensive and uninsured motorist. Depending on your state, it may include medical payments and personal injury protection (no-fault).

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.

Mileage plans – 1,000, 3,000, 6,000 or unlimited plans

One liability charge – While most standard auto companies charge liability 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 – Lost or stolen spare parts are covered up to $2,000. You can increase the limit.

Towing – Up to $75 per occurrence.

Trip interruption – Up to $150 per day is reimbursed for transportation, lodging, and expenses if the vehicle becomes disabled more than 50 miles from home for at least 24 hours.

Pet coverage – Up to $750 in medical expenses is paid for a pet injured while in the vehicle.

Deductible options – $0 to $10,000

New purchase coverage – Any new addition to a 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 this limit.

 

Optional coverage

Nationwide roadside assistance

  • Guaranteed flatbed towing, $200 per occurrence
  • Flat tire assistance
  • Lockout assistance
  • Fuel delivery
  • 1-800 emergency number

Full safety glass – No deductible applies if a windshield requires replacement and there is no other vehicle damage.

Foreign transport – Extend coverage for vehicles when driven overseas and while in transit.

 

Flexible payment options

Automate monthly installments with EZPay, or pay by check or credit card, either in full or in two payments.

Learn More

American Modern is rebuilding a 1965 Chevy Malibu SS. Take a look at the project

Collector car owners spend a lot of time keeping them in the best possible condition. Repairs need to be done right. Here are five recommendations when evaluating a shop.

Keep reading