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COLLECTOR AUTO INSURANCE · GEORGIA

Collector and classic car insurance in Georgia.

A standard auto policy pays actual cash value which accounts for depreciation. For a 1967 Mustang or a low-mileage exotic that has appreciated, actual cash value is wrong. Collector car insurance uses agreed value so you know exactly what you will recover if the car is totaled.

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WHAT'S COVERED

What collector auto insurance covers

Agreed Value Coverage

Pays the full agreed value if your vehicle is totaled, no depreciation deducted. You and the insurer agree on value at policy inception.

Show and Transit Coverage

Covers damage caused while driving to shows, meets, and events. Some carriers allow limited pleasure driving without mileage caps.

Spare Parts and Memorabilia

Covers spare parts, memorabilia, and unattached accessories specific to the vehicle.

IMPORTANT LIMITATIONS

What collector auto insurance does not cover

Daily commuting and high-mileage use

Collector policies typically exclude daily commuting and require limited annual mileage. Using the vehicle as a daily driver can void coverage.

Racing and track use

Racing events, autocross, and competitive driving are excluded. Separate track day coverage exists.

Undisclosed modifications

Modifications not disclosed at policy inception may not be covered.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Have a classic or collector vehicle? Get coverage that matches its actual value.

Collector car insurance is not the same as standard auto. Send us the details on your vehicle and we will find a carrier that understands what it is actually worth.

$280 to $1,100 per year depending on vehicle value and usage

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