Personal Insurance / Collector
Classic & Collector Car Insurance
The whole point of a collector policy is agreed value. A standard auto policy pays what a claims adjuster says a 1967 car is worth, which is an argument you will lose. An agreed-value policy settles that number with you in advance, in writing, before anything happens.
What It Covers
The parts of the policy, in plain terms.
Agreed value
You and the carrier set the figure at the start. A total loss pays that figure, with no depreciation argument.
Spare parts
The parts on the shelf are covered too, which matters if you have been collecting them for a decade.
Coverage during restoration
Value can be stepped up as the work progresses, so a car mid-restoration is not insured for what it was worth when it arrived on a trailer.
Flexible use
Shows, club events, parades and pleasure driving. Mileage terms are far more generous than they used to be, and vary by carrier.
How it plays out
A tree comes down on the garage in a summer storm. The car is a total loss. On a standard auto policy the settlement starts from a book value that has nothing to do with what the car is. On an agreed-value policy the number was settled the day the policy was written.
Placed with
- Hagerty
- American Modern
Frequently Asked Questions
Classic Car questions we get.
How is the agreed value set?
Can I drive the car normally?
Does my car need to be finished to insure it?
What Clients Say
Trusted by your neighbors.
Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Auto Insurance
Coverage shopped across multiple carriers, with real limits explained in plain terms.
Home Insurance
Coverage for the structure, your belongings, and the liability that comes with owning a house.
Condo Insurance
Fills the gap between the association's master policy and everything inside your unit.
Renters Insurance
Your belongings and your liability, even though the building is not yours.
Flood Insurance
Separate coverage for rising water, which no home or renters policy includes.
Motorcycle Insurance
Cruisers, sport bikes, touring and off-road, with custom parts actually accounted for.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file