Collector Vehicle


Coverage is provided for these types of collectible autos and trucks:

Collector Car Classifications
Antiques  -        25 model years and older
Classics  -         20-24 model years
Collectibles  -  15-19 model years
Exotic Cars  -   Newer than 15 years, considered to be appreciating in value
Street Rods  -  Made before 1949, mechanically and/or cosmetically altered
Customs  -       Made since 1949, mechanically and/or cosmetically altered
Kit Cars  -         Built from purchased packages, and assembled by an experienced professional, manufacturer, or dealer


Collector Car Essentials - Coverage Limits and Options

Agreed Value
Your car can be worth more than the depreciated value listed in a price book. We’ll work with you to
determine your car’s agreed value, and insure it for that amount.

Mileage Plans
If you like to do a bit more leisure driving than just to the car show, we have plans for 1,000, 3,000 and
6,000 annual miles. Our agents will tell you what plans are accepted for your state and vehicle class.

Miles Rollover
Unused Miles Rollover into the next policy term from your annual mileage plan (1,000, 3,000 or 6,000). 
Miles do not expire.

Flat Liability Rate
Pay one premium rate for your liability coverage, regardless of the number of cars on your policy.
Not available in all states.

Spare Parts
If spare parts and accessories for your auto are destroyed or lost, coverage pays up to $500 to help you
replace them.  Coverage can be increased to $10,000.

Towing
$75 is included to cover towing costs.

New Purchases
Add to your collection and your policy automatically covers it for 30 days until you add it to your policy.

Standard Auto Coverage
This 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).

Collector Car Extras – Beneficial Options

Enhanced Towing
Expand towing coverage to $200, and add lock out, flat tire and fuel service help, by enrolling your car into our national Roadside Assistance program.

Trip Allowance
Take a trip without counting the miles toward your annual mileage limit.

Nine-to-Five Driving
Take your insured collector vehicle up to twice per week to work.

Safety Glass
Waives the deductible if a windshield requires replacement, and there is no other vehicle damage.

Collector Car - Discounts

Save on your premium with discounts for:

Large collections valued over $250,000

- Car club or affinity group membership
- Anti-theft device
- Accident prevention course

Deductible Options

- Exotics:  $500 to $10,000 depending on value
- All other types:  $0 to $5,000

Discounts and deductible options vary by state.



   
   
   

Insurance not available in AK, DC, HI, MA, ME, NH, RI and VT