Collector Car Insurance VS. Daily Driver Insurance
Collector Car Insurance
Premiums up to 46% lower on average
We realize that your classic car is a valued possession that will be driven carefully, so we adjust premiums as a result.
Unsurpassed Coverage for Your Classic
We offer the best COMPLETE coverage along with extra coverage options. You can modify your policy to suit how you use your classic car.
You tell us the value and we confirm that it’s a realistic appraisal. Then, we GUARANTEE that value as a result of a covered total loss.
All of our personnel get training on classic cars and we have many specialists available to answer your toughest questions.
Outstanding Claims Handling
Adjusters trained in the art of classic vehicle repairs. We have specialists on staff whose job is tracking down stock original replacement parts. Choose your own restoration shop — or we’ll even pay you to do the work.
Lack of Restrictions to Enjoy Your Car
Cars are made to be driven. Our policy allows flexible usage — with no fixed mileage restrictions. We offer the freedom for weekend cruising and more.
Guaranteed Flatbed Roadside Assistance
We offer guaranteed flatbed towing with soft straps — no hooks or chains. We also offer limitless emergency service for towing, battery jumps and lockouts.
Daily Driver Insurance
High Yearly Premiums
Daily driver insurance policies may rate your classic as if it’s an everyday use vehicle — you will be charged as if you are driving the vehicle day-to-day.
Ordinary Auto Coverage
Your classic might be covered the same way as your daily driver, which could be troublesome if you ever have a claim.
Stated Value or Actual Cash Value
Daily driver carriers offer “Actual Cash Value” or “Stated Value”, which may depreciate your vehicle in the event of a claim.
A daily driver insurance carrier may not give you guaranteed value coverage or stock replacement parts.
Claims Handling Subcontracted
A daily driver carrier may only be able to get aftermarket parts or partial payout in the event a total loss, leaving you with a vehicle that is a shell of its former self.
Limited or Restricted Usage
Even if you have full coverage, there may be mileage and usage limits to control how your classic is driven.
Standard or No Roadside Assistance
Roadside coverage may not be included or may not be able to guarantee a flatbed tow truck that can handle your car with proper care.