Classic Car Insurance — Why Your Regular Policy Isn't Enough

Put a standard auto policy on a classic and you're setting yourself up to lose money. Collector vehicles need coverage built for them. Here's why.

The "agreed value" difference

A regular policy pays actual cash value — depreciated, like any used car. For a restored '69 Camaro, that's a disaster. Classic car insurance uses agreed value: you and the insurer agree on the car's worth up front, and that's what you're paid if it's totaled. No fighting over depreciation.

Built for how collectors actually drive

Classic policies are usually cheaper than standard *because* the cars are driven less — but they come with terms:

• Usage limits — pleasure use, car shows, club events (not a daily commuter).
• Secure storage requirements.
• Mileage caps in some cases.

They also often include perks like spare-parts coverage and access to specialty repair.

What qualifies

It's not just pre-war antiques — modern collectibles, restored trucks, hot rods, and exotics can qualify too. Carriers vary on age and condition rules.

We work with classic/collector specialists (Hagerty, American Collectors, Foremost and more), so as an independent agent I match your vehicle to the right one.

Get a classic car quote or book a consult — call/text 573-594-5148. Serving Missouri & Kansas.

*General information; eligibility and coverage depend on carrier and vehicle. See disclosures.*