Collector Car Insurance

American Modern provides high quality insurance for your classic, collector, vintage or antique car.

We offer an agreed value total loss settlement. Before the policy activates, you as the car’s owner, the agent, and our underwriters agree on the car’s value and insure it for that amount. In the event of a total loss, that agreed upon value is the payout amount (in a total loss, the settlement is inclusive of all applicable taxes and fees). The deductible of course applies, but there is no depreciation and no misunderstanding.

Some other specialty auto policies, and a typical daily-use auto policy, offer stated value coverage. It’s not the same. In fact, it is really just actual cash value coverage with a maximum limit – the stated value – and the carrier pays the vehicle’s market value which it determines after the loss. If the market value has dropped since the policy was purchased, then that lower dollar amount is the payout.

Coverage highlights

Agreed value total loss settlement*
Usage for car shows, parades, car club exhibitions, occasional pleasure drives, driving to work (optional coverage)
1,000, 3,000, 6,000, or Freedom mileage plans
Deductible options from $0 to $10,000
Flexible payment options

* If a total loss settlement is based on an Agreed Value, the settlement is inclusive of all applicable taxes and fees.

Want more information or a quote?

Your agent can answer your questions and get you a quote. Looking for an agent? Use this search tool to find one near you, or call us at 866-884-6167.

Quick Links

Find an agent for a quote
- If you want to find an agent now, or have questions, call us at 866-884-6167. Our hours are 8 a.m. to 8 p.m. EST Monday through Friday.
Current customers
- Make a payment
- Go to Online Services
- Manage your account
- Call us: 800-543-2644

Learn More

American Modern is rebuilding a 1965 Chevy Malibu SS. Take a look at the project.

A good insurance carrier will not tell you what shop to use for a claim repair. It’s up to you. But when making a decision the key is matching the car with a shop that has specific expertise with the make and model.

Ask around at a car show or collector club. Word of mouth is a pretty reliable method to find a knowledgeable mechanic and experienced shop.
Make sure the shop knows the make and model of your car. If a shop doesn’t have any cars like it in the garage, they’re probably not for you.
Ask for references. Good shops are proud of their work and keep records of satisfied customers. They will be happy to share.
Look at cars they are working on now. If you see shoddy repair, stay away.
Your car is older, so don’t worry about seeing shop equipment that is not state-of-the-art. Some of the best shops have top quality equipment that is 50 to 60 years old.

Need Emergency Roadside Assistance

New Roadside Assistance vendor- Agero Effective May 1, 2023 866-877-9095 (new) Americanmodern.rsahelp.com

Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may vary or not be available for all risks or in all states. Rates, discounts vary, are determined by many factors, and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No. 2222-8) and American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1.)

American Modern Insurance Group, American Modern, AMsuite, modernLINK, and Homeowners FLEX are trademarks or registered trademarks of American Modern Insurance Group, Inc.

All other names, logos, and brands described herein are trademarks or registered trademarks of their respective holders, and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, its products, or its services.