AGREED VALUE COVERAGE
Agreed value coverage ensures you get an agreed-upon value for your collector car, protecting against financial loss due to inflation and market changes.
WHY PAY MORE?
GET AFFORDABLE COLLECTOR CAR INSURANCE RATES
Muscle 
Luxury Vintage 
Sports Vintage
Convertible
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF COLLECTOR CARS CAN I INSURE WITH CINCO?
Muscle Cars
Iconic for their powerful engines and aggressive styling, muscle cars need specialized insurance to protect against accidents, damage, and theft on the road.
Luxury Cars
High-end vehicles with premium features require tailored insurance to protect their value, craftsmanship, and repair costs in case of accidents or theft.
Sports Cars
Designed for performance and speed, sports cars require comprehensive coverage to ensure protection from damage, theft, and liability during high-speed drives.
Antique Cars
Antique cars are valuable due to their rarity. Protect your investment with insurance that covers restoration costs, theft, and potential damage to these historic treasures.
Classic Cars
With timeless appeal, classic cars need specialized coverage to preserve their value and protect against repairs, accidents, and potential loss due to age-related issues.
Exotic Cars
Rare and high-value vehicles like Ferraris and Lamborghinis require high-end insurance policies to protect their expensive parts, repairs, and potential depreciation.
Vintage Cars
Often sought by collectors, vintage cars need tailored insurance to protect their market value, restoration efforts, and to cover potential damage during outings.
Hot Rods
Custom-built for performance and style, hot rods require specialized coverage for modifications, ensuring protection from accidents, theft, and damage to unique parts.
Custom Cars
Modified and restored to reflect personal style, custom cars need specific insurance that covers unique parts, modifications, and the potential for high repair costs.
WHY IS CINCO THE BEST CHOICE FOR COLLECTOR CAR INSURANCE?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/ Phone/ In-Person Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY COLLECTOR CAR?
COMPREHENSIVE COVERAGE
Comprehensive coverage offers protection against damages from non-collision incidents like theft, vandalism, fire, storms, and collisions with wildlife.
COLLISION COVERAGE
Collision coverage helps pay for repairing or replacing your collector car after an accident, regardless of who is at fault, keeping your vehicle in top shape.
LIABILITY COVERAGE
If you are at fault in an accident, liability coverage pays for the affected party’s injuries and vehicle repair, protecting against potential lawsuits.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
UM/UIM coverage protects you if you are hit by a driver with insufficient or no insurance, covering your medical injuries and vehicle repair expenses.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
MedPay covers your and your passengers' medical expenses due to injuries sustained in an accident, no matter who’s at fault, ensuring prompt care.
ROADSIDE ASSISTANCE
Roadside assistance provides help during breakdowns, including towing, jump-starts, and tire changes, ensuring you're not stranded while traveling.
CUSTOM PARTS AND EQUIPMENT COVERAGE
Covers custom parts and upgrades on your vehicle, protecting them from theft, damage, or loss, ensuring full coverage for your modifications.
ACCESSORY COVERAGE
Protects accessories like custom wheels, trim, or vintage features on your vehicle, ensuring they're covered in case of theft, damage, or loss.
GARAGE KEEPERS INSURANCE
Provides coverage for your vehicle while stored in a garage, protecting it against theft, damage, or accidents while in the care of a facility.
HOW IT WORKS
EXPLORE
View our comprehensive auto insurance solutions designed to maintain and preserve the quality of your cherished collector car.
CONNECT
Speak with our classic car insurance agents, who are aware of the struggles of a collector car owner, and let them guide you toward the most suitable plan.
COMPARE
Do not rush! Obtain multiple quotes from leading insurance providers at CINCO to find the best protection for your collector car at the best rates.
WHAT IS COLLECTOR CAR INSURANCE?
Collector car insurance is a policy reserved for collector car enthusiasts. Unlike regular car insurance, this type of policy caters specifically to the unique needs of classic vehicles. The policy accurately measures your car's value and typically includes a mileage limit of around 10,000 miles per year. This ensures that your collector car is not used as an everyday vehicle to run errands.
This insurance typically comes with agreed-value coverage, which means the insurer and the customer agree on the vehicle's value upfront, providing full compensation in the event of a total loss, regardless of market fluctuations. The primary coverage options included in your policy are primarily liability, collision, and comprehensive coverage, with additional options such as gap insurance and roadside assistance.
This insurance typically comes with agreed-value coverage, which means the insurer and the customer agree on the vehicle's value upfront, providing full compensation in the event of a total loss, regardless of market fluctuations. The primary coverage options included in your policy are primarily liability, collision, and comprehensive coverage, with additional options such as gap insurance and roadside assistance.
FACTORS THAT IMPACT COLLECTOR CAR INSURANCE RATES
Two policyholders with different circumstances are rarely charged the same amount for their collector car insurance. Several factors are considered by insurers when determining your insurance premiums. For example, a person with a particularly poor driving history will not be charged the same as someone who exhibits safer driving habits. This is because of the varying risk levels. Here are some other factors insurance carriers may consider while calculating your collector car premium:
Driving History
Age and Gender
Location
Vehicle Type and Model
Credit Score
Coverage Level
Deductible Amount
Claims History
Annual Mileage
Insurance Provider
Marital Status
Type of Driving
Discounts and Bundles
Safety Features in the Vehicle
State Laws and Regulations
WHO IS REQUIRED TO HAVE COLLECTOR CAR INSURANCE?
As a responsible vehicle owner, being insured is the first step toward safety. This small investment helps protect against many financial expenses that may arise in the future, such as collision, theft, and vandalism. Collector cars are worth a lot, so there is more to lose if something were to happen. Reliable coverage is also essential to maintain the value of your collector car, ensuring it remains pristine for future resale. Here are some individuals who should purchase collector car insurance:
Owners of vehicles classified as collectible or special interest.
Car collectors with rare, limited-edition, or unique vehicles.
Individuals with vehicles used primarily for car shows, exhibitions, or limited leisure.
Owners of cars that are preserved, restored, or modified to maintain value.
Drivers with classic, vintage, or antique vehicles.
Individuals seeking agreed-value coverage to protect the car’s worth.
Owners storing collectible cars in secure or climate-controlled locations.
Drivers required by certain insurers or states for vehicles meeting collectible status criteria.
WHY DO I NEED INSURANCE FOR MY COLLECTOR CAR?
WHAT DISCOUNTS CAN I GET ON COLLECTOR CAR INSURANCE?
If you are overwhelmed by your insurance rates, discounts are your knight in shining armor. Almost all insurance providers offer some type of discount on their coverage to attract more customers and retain the existing ones. Whenever you purchase an insurance policy, ask your agent about available discounts and incentives. You may qualify for discounts you're not aware of; for example, if you have a clean driving history, you can apply for a good driver discount. Here are some other options:
Safe Driver Discount
Good Student Discount
Multi-Policy Discount
Multi-Vehicle Discount
Low Mileage Discount
Defensive Driving Course Discount
Anti-Theft Device Discount
Pay-in-Full Discount
Paperless Billing Discount
Automatic Payment Discount
Accident-Free Discount
Affinity or Membership Discount
New Vehicle Discount
Military Discount
Homeowner Discount
Loyalty Discount
Green Vehicle Discount
Usage-Based Insurance Discount
Senior or Mature Driver Discount
Occupation-Based Discount
HOW MUCH DOES COLLECTOR CAR INSURANCE COST?
If you own a collector car, you can expect to pay between $17 and $50 monthly, amounting to $200 and $600 annually. However, it is essential to note that these are mere estimates, and your actual rates can vary significantly from them. Auto insurance companies consider a range of factors before setting your premium, the most important being the rarity of your vehicle and its market value.
Since every policyholder has varying insurance needs and requirements, their rates can differ greatly. A perk of purchasing collector car insurance is that the rates may be reduced because you don't use your classic vehicle as much. Finding a reliable insurance broker is the best option to further lower your rates, as they possess the necessary skills.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE COLLECTOR CAR INSURANCE QUOTE?
When purchasing collector car insurance, there are certain formalities you must fulfill. Your insurance provider may request certain information and details regarding your vehicle and yourself. Remember to always share complete and accurate information with your insurer to avoid future inconveniences, especially during the claims procedure. Listed below are the necessary requirements you must fulfill if you want to secure a collector car insurance quote that reflects all your specific needs:
GET A FREE COLLECTOR CAR INSURANCE QUOTE
CINCO partners with leading car insurance companies to provide the best coverage for classic and collector cars. Get your first free collector car insurance quote today!
Once you submit the form, one of our knowledgeable agents will contact you within a few hours. With our industry expertise, you won’t have to worry about finding an affordable plan that fits your needs!
Muscle
Luxury Vintage
Sports Vintage
Convertible
Other
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