Classic Car Insurance

Your classic car needs great coverage from an insurance agency that loves cars as much as you do. It only takes a few minutes to find out how much money you can save!

What is Classic Auto Insurance?

Classic Car insurance is similar to regular car insurance but with the added benefits of having a team of experts in the classic auto field.  Additionally, since most classic cars are not daily drivers, the insurance is often less expensive.
 
Why classic auto insurance?
No one knows classic cars and their owners better than insurance companies that specialize in the classic car space.  Not only do the teams of claims reps and underwriters know what your vehicles mean to you- this filters all the way down to the customer service team members, who in most cases, receive classic car training. In fact, hopefully, you will never have a claim, but if you do- when you work with claim adjusters who specialize in classic cars- they are also able to source high-quality replacement parts easier than a “regular” car insurance carrier.
 
Guaranteed Value coverage- You tell us the value of your classic and we’ll affirm that it’s a fair, accurate number. Then, we guarantee that value will be paid to you in the event of a covered total loss.** Period.
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Regular car insurance carriers offer “actual cash value” or “stated value” coverage, which may depreciate your vehicle in the event of a claim, resulting in a smaller payout than you anticipate.
 
Guaranteed Flatbed Towing- Regular car insurance roadside coverage may not be able to guarantee a flatbed tow truck that can handle your classic with the proper care it needs.  Classic car insurance guarantees flatbed towing with soft straps, battery jumps, lockouts, and other value-adds.

Who qualifies?

There are several factors that qualify drivers and vehicles for Classic Auto Insurance, including:

Model year
  • Classic, collector vehicles 1980 or older
  • Collector truck / SUV 1998 or older
  • Hot Rods / Street Rods 1950 or older

Usage
  • Generally, use your collector vehicle for club functions, exhibitions, organized meets, tours and even occasional pleasure driving—it just can't be your daily driver.

Driver eligibility
  • Most classic car insurance companies are not able to offer coverage if you have had a serious infraction (alcohol-related offense, reckless driving, excessive speed) in the last three years.

Storage
  • Generally, insurance companies prefer that collector vehicles are stored in an enclosed, secure structure when not in use—such as a private garage, pole barn or storage unit.  They will consider other storage such as carports, driveways, parking garages, car hauling trailers- depending on the individual situation.

Household regular use vehicles
  • Since the insurance company requires that the classic vehicle they are insuring is not a daily driver, usually they will want to see that there is a reasonable amount of regular-use vehicle(s) for daily driving for the number of household members that have valid driver's licenses

​We can also insure

  • Non-street legal race cars and motorcycles
  • Antique trailers
  • Military vehicles
  • Retired commercial vehicles
  • Motorcycles and Scooters
  • Vintage camper trailers
  • Boats and Yachts
  • Classic and antique trailer

​Vehicles that usually do not qualify

Because we provide low-cost, Guaranteed Value® coverage, we are not able to provide coverage for certain vehicles due to how they are used and the increased risk associated.
  • Off-road or recreational vehicles
  • Daily-use vehicles
  • Commercial-use vehicles
  • Motorcycles with performance modifications
Contact us to learn more about the right classic car insurance for you.
(262) 737-5080
N27 W23960 Paul Rd
Suite 5
Pewaukee, WI 53072
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