Looking For Collector Car Insurance

Matt1986GT

Member
Jun 27, 2015
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Hello, I am looking for a reputable provider of collectible car insurance. I currently have my car covered under my main policy and want to change after finding out I won't be covered for the "true value" of the car if it is stolen or is in an accident. Do they all require that you have the car garaged at all times? I currently have it covered in my driveway and am planning on renting a garage for the winter. Any information would be appreciated!
 
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I don't have it but have looked at Hagerty(sp). I will likely use them and an "agreed value" policy. I second what Shakerhood said, it has to be garaged and a secondary driver according to the policies I've looked at.
 
It's definitely going to be a secondary driver on weekends in the summer so that won't be an issue. The problem I will have is the garage since it will only be stored for about 4 or 5 months out of the year for now
 
I have American collectors.5k miles per year and $10,000 agreed value on my 90 GT vert.Same mile tier on my 99 C43 AMG Benz with $13,000 agreed value.I pay $475.00 per year total premium for BOTH VEHICLES.The Benz is in the garage GT sits under an evoloution 3 cover.Never had an issue.You guys really have to check out American Collectors Insurance.Based out of Cherry Hill N.J.Had them for the past several years and I think over that time my rate has increased under $75.
 
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When I had American collectors they required a locked garage. They also don't do business in Idaho so when I moved I had to change

taken right off their site

QUALIFY FOR COLLECTORS INSURANCE.
Do I Qualify?
To qualify for our Collector Vehicle programs, drivers must have:

  1. A minimum of 5 years, licensed driving experience
  2. A good driving record. No more than one moving violation or one at-fault accident within the last 3 years (up to 2 per household)
  3. One regular-use vehicle for every licensed driver in the household (exceptions may be made for full-time students and retired couples)
Does My Vehicle Qualify?
  1. Be driven on a limited basis and not as a daily driver.
  2. Not be used for racing or timed events
  3. Be kept in an enclosed, locked garage (alternate garaging options may be permitted; contact our representative
  4. We will consider ANY vehicle that has collector merit and is appreciating in value.
 
Grundy here, Garage with alarm tied to police response, 2500 miles use per year, alternate daily driver. 30k agreed value after photos and receipts were exchanged. just over 300 a year. I'm 47 and have a spotless driving record.