Since 1976, American Collectors Insurance has provided peace of mind for classic car collectors and vintage vehicle enthusiasts with industry-leading classic car insurance protection. At American Collectors, we make it easy to obtain an Agreed Value collector car insurance policy personalized for you.
American Collectors Insurance is a recognized leader in the classic car insurance industry. We have a team of collector specialists to tailor a policy to protect your prized collector vehicle, classic car or collectible. Our specialists will help you select appropriate limits and coverages to enable you to restore your vehicle to pre-loss condition (if reparable) or to be valued appropriately (if involved in a covered total loss).
Hit the open road, with a C.A.R.E. (Collector Auto Reimbursement & Expenses) plan for your collector car. American Collectors Insurance offers a variety of towing, labor, and expense reimbursement options for collector vehicles, such as classic cars, exotic cars, imports, hot rods, collector motorcycles, antique and classic vehicles.
Our C.A.R.E. plans add extensive coverage to your classic car insurance policy for incidental expenses such as roadside assistance, emergency towing, emergency lockout, lost key returns and much more.
At American Collectors Insurance, we believe strongly in the power of community. Connect with fellow classic car owners, collectors, and enthusiasts. Stay informed about community events and collector car clubs in your area.
NOTE: Regular auto insurance does not generally adjust the total loss ACV estimate for any additional equipment or improvements not original to the vehicle when it was manufactured (e.g., vehicle restoration costs, safety, performance or drivability modifications, custom paint, etc.).
As a result, the collector vehicle is generally driven for fewer miles annually. This reduces the probability of accidents. This translates to lower claims and injury costs, which results in lower insurance premiums for classic car insurance customers.
We value your privacy. We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products.
1 This is only a general description of available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. For further information on antique auto and classic car insurance, contact a State Farm agent.
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The majority of our business falls in the classic car era, the golden age of motoring. This is the time when many of the models we all know and love were created by such evocative names as Jaguar, Porsche, Ford and Austin Healey. We insure everything from popular classics such as the MG B to exotics such as the Lamborghini Miura.
We love post-1980 modern classics. These wonderful models offer a great combination of classic styling with a more modern driving style, often making them great first classic cars to own. With values soaring in the last few years, Hagerty have been at the forefront of helping to maintain this important part of our motoring heritage through our Festival of the Unexceptional.
We often insure post-2000 vehicles that were developed as concept cars or in very limited numbers. These emerging classics are starting to become collected. This part of the market is thriving, and Hagerty have been insuring their owners and tracking their values in ever-increasing numbers. These are the classics of the future.
Do you own an antique vehicle If you do, we suggest that you place that vehicle on an Antique Car Insurance policy. You may be asking, why not on a standard automobile insurance policy
The primary reason is that the coverage needed for a classic vehicle is based on the value of the car. With a standard Automobile Insurance policy, the value of the vehicle decreases over time. When taken care of, classic cars usually appreciate in value rather than depreciate as ordinary vehicles do.
The policy costs less than a standard automobile policy but there are restrictions. Insurance companies that provide coverage for Antique or Classic Cars will want to be sure you are not using your classic car as your everyday vehicle and some may require that you only use it for shows and/or weekend drives. Each carrier can be different but that is what Eastern Insurance Group LLC is here for - to help you make the right decision for your insurance needs.
Eastern Insurance Group LLC is a wholly owned subsidiary of Eastern Bank. Eastern Benefits Group is a division of Eastern Insurance Group LLC. Insurance products are not insured by the FDIC or by any federal government agency and are not deposits of or guaranteed by Eastern Bank. Insurance products may be subject to investment risk, including possible loss of principal or amounts invested. Insurance products from independent insurance carriers described herein are provided through Eastern Insurance Group LLC.
While there can be minor differences between classic and antique car insurance policies, the two generally provide the same basic provisions. These include coverages that are common to most auto policies and some coverages that are more commonly found only in classic/antique policies.
Stated value insurance policies reflect the agreed-upon amount of coverage stated at the start of the policy. It is usually up to the car owner to provide documentation verifying the vehicle's worth; however, at the time of loss, the insurance company can choose to pay either the stated amount or ACV, whichever is less.
You put a good amount of time and money into this car, but how much time did you take to insure it If you simply added your classic car to the Car Insurance policy insuring your other cars, you could be short-changed in a claim.
The typical automobile policy treats all vehicles basically the same. The settlement is based on actual cash value (ACV). At first glance, this can seem great as you know that the ACV of your classic car is high, but what if you can't prove it What if the car is stolen or in a total loss The value of a classic car varies based on its condition, so you want to be sure that you have the documentation and Antique Car Insurance coverage in place before a claim.
Vintage Car Insurance is different from ordinary Car Insurance because it's geared toward the actual collectible value of your car. It's one thing to be able to get another car, it's quite another to be able to replace your classic car.
You may also be surprised to learn that a classic car policy can be much less than insuring on a traditional automobile policy. Why You probably put limited mileage on it, so the company rewards you for this with a lower premium.
Before allowing a child or grandchild to drive a vehicle, drivers should review their policy with a knowledgeable insurance agent. An agent can review the policy for any driver qualification restrictions.
HPM Insurance has been writing classic and antique cars for decades. We understand that your classic car is unlike any other, and we will work with you to ensure you are covered with the right Vintage Car Insurance policy.
In the same way, you customize your ride, you can customize your classic car policy: the car's value, the miles you need each year, and more can all be adjusted for you. You might be a driver that goes to all the shows, or you may drive only limited miles--pay for what you need.
2021 HPM Insurance Privacy Statement This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication. 781b155fdc