Auto
Classic and Collector Car Insurance
A standard auto policy is not designed for a vehicle whose value appreciates over time. Collector car policies are written specifically for that reality.
Agreed value vs. actual cash value
Collector policies typically use agreed value: you and the carrier set the figure up front, and that is what is paid on a total loss — no depreciation argument later.
Use restrictions and storage
Premiums are lower because these vehicles are usually driven for shows, club events, and pleasure rather than daily commuting, and stored in a locked garage.
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.