Reference — Questions on file
Questions wehear most.
Quoting, eligibility, coverage and claims — the questions that come up before someone calls the desk.
Getting a quote
- How long does a quote take?
- Same business day in most cases, next business day at the latest. We'll ask about the car, how it's stored, and roughly how many miles you put on it a year.
- Is there any obligation once I get a quote?
- None. A quote is a quote — you can take it, compare it, or walk away, and we'd rather you compare it.
- Do you need the car in hand to quote it?
- No. Photos, a description, and sometimes a documented sale price or appraisal are usually enough to start.
Eligibility
- What kinds of cars do you insure?
- Classic and collector cars, muscle cars and hot rods, and several other categories — see our vehicle classes for the full list. If your car doesn't fit neatly, ask us.
- Does my car have to be garaged?
- Most carriers want it stored in an enclosed, secure space. Tell us your situation and we'll tell you what fits.
- Is there a minimum age for the car?
- Most carriers look around 20 years and older, but usage and condition matter more than a strict cutoff.
Coverage & claims
- What is agreed value coverage?
- A settled figure, written into your policy before anything happens to the car. A total loss pays that figure — not a depreciated estimate decided after the fact.
- How do I file a claim?
- Call the desk or start online — see our claims page for what happens at each step.
- Can the agreed value change over time?
- Yes. If the car appreciates or the market shifts, we can revisit the figure with you at renewal or with a fresh appraisal.
Instruction to proceed
Still havea question?
Call the desk and ask — most conversations start with a question, not a quote request.