Classic & Collector Cars
Largely original postwar cars — driven on weekends, shown on Sundays, and never treated as transportation. This is the umbrella class most of what we insure falls under.
A classic, to us, is a car kept for what it is rather than what it does. Weekend drives, car shows, club events — not the commute. That’s the distinction that matters more than a strict age cutoff, and it’s the one underwriting actually looks at.
Coverage is written on agreed value: you and the carrier settle on a figure before the policy is bound, and that’s what a total loss pays. No depreciation table decides what your car became while it sat in the garage.
If your car doesn’t fit neatly into one class — a well-kept muscle car that’s also a daily-driven weekend toy, say — that’s a conversation with us, not an automatic decline.
Chevrolet Corvette
America's sports car, and often the highest-value single model we place. C1 through C3 generations each carry their own collector following and appraisal considerations.
- Does my car have to be a numbers-matching original to qualify?
- No. Well-documented restorations and modest, sympathetic upgrades are common and usually fine — we ask about the build, not just the VIN.
- How many miles can I put on a classic policy?
- Most carriers write an annual mileage allowance built around pleasure use — typically a few thousand miles a year. We'll match it to how you actually drive the car.
Muscle Cars & Hot Rods
Numbers-matching big blocks, restomods and street rods. Valued on the build and the receipts behind it, not just the year and trim on the title.
Ask aboutyour classic & collector cars.
Tell us the make, model, and how you keep it. We'll tell you what it takes to get an agreed value on the record.