🚗 Classic & Collector Car Insurance

Your classic deserves
more than book value.

Standard auto policies pay depreciated market value. Agreed value specialty insurance pays what your car is actually worth — every time.

✓ Agreed Value Coverage✓ No Depreciation✓ Hagerty & Grundy✓ Show Car Coverage

Specialty Carriers We Work With

HagertyGrundyAmerican CollectorsHeacock ClassicChubb+ 8 more

✦ Free & No Obligation

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Why It Matters

Coverage built for
what you actually own.

💰

Agreed Value — Full Payment, No Depreciation

A standard auto policy pays ACV (actual cash value) which deducts depreciation. Your 1967 Mustang might have ACV of $14,000 but a specialty agreed value policy insures it for the $42,000 you actually put into it — and pays the full amount in a total loss.

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More than standard ACV — what agreed value pays vs. standard auto on total loss claims

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Show Car & Exhibition Coverage

Driving to and from shows? Specialty policies cover your vehicle during exhibition, transport, and club events — coverage standard carriers exclude entirely.

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Flexible Usage Options

Classic car policies often cost less than regular auto because carriers know you're not driving 15,000 miles a year. Many policies allow up to 2,500–5,000 pleasure miles annually.

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Spare Parts & Restoration Coverage

Specialty carriers understand restorations. Coverage for spare parts in storage, restoration work in progress, and tools used in your garage can all be included.

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Coverage Breakdown

What your policy
actually covers.

Coverage Type	What It Covers	Status
Agreed Value	Full insured value paid on total loss — no depreciation deducted	Core Coverage
Liability	Bodily injury and property damage caused to others	Required by CA Law
Collision	Damage to your vehicle in a collision	Recommended
Comprehensive	Fire, theft, vandalism, weather damage	Strongly Advised
Uninsured Motorist	Protection if hit by uninsured driver	Strongly Advised
Spare Parts	Coverage for parts in storage or mid-restoration	Optional Add-On
Show Car / Event	Coverage while at shows, exhibitions, and club events	Optional Add-On

Client Stories

Real people.
Real coverage that paid off.

★★★★★

Saved $28,000

"My Mustang was totaled in a flood. Standard ACV would have paid me $14,000. My Hagerty agreed value policy paid $42,000. CoverGuard made sure I had the right policy from day one."

Bill W.

1967 Ford Mustang Fastback

★★★★★

Great coverage

"I have 4 collector cars and CoverGuard manages all 4 policies. They understand the collector car world — not just insurance."

Dave P.

1970 Chevelle SS

FAQ

Your questions,
answered.

What qualifies as a "classic car" for insurance purposes? +

Most specialty carriers consider vehicles 15–25+ years old as classics. Some use the year 1980 as a cutoff. The key factors are limited annual mileage, storage conditions, and that the car is not used as a daily driver.

What is the difference between agreed value and stated value? +

Agreed value means both you and the insurer agree upfront on the car's value — that exact amount is paid in a total loss. Stated value is the maximum the insurer will pay, but they can still pay less based on ACV calculations. Always ask for agreed value.

How much does classic car insurance cost? +

Classic car insurance is often significantly cheaper than standard auto because usage is limited. Many policies start under $300/year for a well-stored classic. The trade-off is annual mileage limits, typically 2,500–5,000 miles.

Can I drive my classic car on a classic car policy? +

Yes, within mileage limits. Most policies allow pleasure driving, car shows, club events, and occasional local trips. They're not designed for commuting or high-mileage daily use.

Your classic deservesmore than book value.