Antique Auto Insurance

You may have lovingly rebuilt your antique or classic car from the ground up, or bought a perfectly restored showpiece. Either way, it isn’t a regular car, and a regular auto policy isn’t built to protect it. Do Right Insurance finds collector car coverage that values your car the way you do.

Why a regular auto policy falls short

A standard policy pays what a car is worth on the day of a loss, based on a used-car market that often doesn’t recognize a restored or rare vehicle. Collector coverage is built differently.

What collector car coverage can include

• Agreed value: you and the insurer agree on what the car is worth up front, so there’s no argument after a loss
• Restoration and custom work, which is covered when documented
• Spare parts you keep for the car
• Coverage at shows and events, and while the car is being transported
• Collision, comprehensive and liability like any auto policy

How collector policies usually work

Collector policies often limit how you use the car, such as shows, club events and pleasure drives, rather than daily driving. They may also set a mileage limit and ask that the car be kept in secure storage. These terms are what keep the premium reasonable, so we’ll make sure the policy fits how you actually use the car.

Common questions

Do I need to appraise my car?

Often, yes. A recent appraisal or documentation is how we set the agreed value. We’ll tell you what’s needed.

Can I drive it to work?

Collector policies usually aren’t meant for daily driving. If you want to drive it regularly, ask us what options exist.

Can you insure a whole collection?

If you have several cars, ask us. See our private client insurance for larger collections.

Get a collector car quote

Call 801-352-7100 or request a quote online.