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Your classic, muscle car, or collector vehicle is worth far more than a standard auto policy will ever pay. Standard insurance pays actual cash value — what a depreciated used car is worth, not what your 1969 Camaro, original Mustang, or restored truck is actually worth in the collector market. Classic car insurance from a specialty carrier pays the agreed value you set with your agent, with no depreciation applied at claim time.
Before your policy is issued, you and the carrier agree on the insured value of your vehicle — typically supported by an appraisal or market documentation. If your car is totaled or stolen, you receive that full agreed amount, not a depreciated number from a standard auto book value. This is the fundamental difference between classic car coverage and standard auto insurance.
Most specialty carriers cover vehicles 25 or more years old with limited annual mileage (typically under 5,000–7,500 miles), garaged storage, and use limited to shows, parades, club events, and occasional pleasure driving. Exotic and specialty vehicles may qualify regardless of age. Brannon works with carriers who understand the collector car market and offer flexible mileage options for drivers who actually use their classics.
From Cartersville car shows to events across the Atlanta metro and beyond, Georgia has a thriving collector car community. Protect your investment properly — fill out the form above and Brannon will find the specialty coverage your vehicle deserves.
Requirements vary by carrier, but most define a classic or collector vehicle as 25 or more years old, used sparingly, stored properly, and maintained in good condition. Daily drivers typically do not qualify.
Classic car policies use agreed value coverage. You and the insurer agree on the car's value upfront, so you receive the full amount with no depreciation if it is totaled. Standard auto policies pay actual cash value, which factors in depreciation and often falls short of what a collector car is worth.
Typically no. Most collector policies include mileage restrictions, often 1,000 to 5,000 miles per year, and require the vehicle to be a secondary car. Brannon will find a policy with the mileage allowance that fits how you actually use your car.
You and the insurance carrier agree on a value upfront, supported by a recent appraisal, purchase records, or market data from sources like Hagerty. That agreed value is what you receive if the car is totaled, with no depreciation argument at claim time.