Since 1992, Classic Collectors Insurance by Infinity has provided classic car insurance for all types of vehicles from antiques to exotics, muscle cars to street rods, tractors to military vehicles and more. Over 100,000 car collectors have entrusted us with their collectible car insurance needs.
Unlike many other collector car insurance providers, they are not a general agency that relies on another carrier. They are fully owned and operated by an AM Best "A" rated company.
At Classic Collectors, the goal is simple, to provide the same or better coverage at a savings with our free Driver Club® program and numerous available discounts. Look no further for one of the best deals for your collectible vehicle insurance needs.
Your Classic Collectors policy includes the following. No additional charge where noted. (coverages vary by state and vehicle type - contact us for additional information).
- Agreed Value Coverage
Agreed Value guarantees that in the event of a total loss, we will pay you the full amount of coverage listed on your policy for your vehicle. Depreciation and subjective valuation on your vehicles is eliminated.
The concept is simple - if your vehicle is insured for $15,000, and it is totaled by a covered peril, you receive $15,000 minus any deductible, if applicable.
Many insurers sell what is called "Stated Value" policies, which is inferior protection. This coverage states you will receive "up to" the value listed for the vehicle in a total loss, but it does not guarantee the full amount will be paid.
Note: Agreed Value Coverage is offered in most cases at no extra cost, but there are some states and vehicle types where Stated Value Coverage is offered instead. While offering less coverage than Agreed Value, Stated Value Coverage is better than the alternative ACV Coverage (Actual Cash Value) offered by regular automobile insurance policies. Exotic vehicles are the most common exception. - Drive-to-Work Coverage
Enjoy driving your classic car to work or school when you select our optional Drive-to-Work coverage. This coverage allows for the availability to commute to and from work or school for up to 30 days during the term of your policy and up to 5 consecutive days in any 14 day period. - Choose Your Own Repair Shop
Whether you're a grease monkey or you have "a guy," Classic Collectors won't steer you to a specific repair shop. After appraising the cost to return your classic to pre-loss condition, we'll cut you a check for that amount (less any applicable deductible). You can spend the money in whatever way you see fit to repair your vehicle. - Newly Acquired Vehicle Coverage - up to $75,000 for 30 days
Still adding cars to your collection? Don't worry. You're covered. A newly acquired vehicle will be covered for the verifiable value or purchase price up to $75,000 for 30 days. - FREE Spare Parts Coverage
Spare Parts Coverage on our policy covers extra parts of the insured vehicle, such as a second set of wheels or a hard top roof to a convertible, for up to $1,000 if stolen or damaged in an accident. Spare parts covered do not include those parts needed in the event of a vehicle breakdown. - FREE Trip Continuation Coverage
If your collectible vehicle is disabled due to an accident over 50 miles from the garaging location, we will pay up to $75 per day for lodging and transportation expenses incurred returning to your home address. The maximum payout is $500. See your policy for more details. - FREE Full Glass Coverage
Coverage for damage to windshield and other glass breakage included at no extra charge. - FREE Emergency Roadside Assistance Coverage
If for some reason, you are not able to use our Driver Club®, we will pay up to $100 for towing and labor expenses incurred due a covered disabled vehicle. See your policy for more details.
Classic Collectors can offer lower rates than most regular auto insurance because they recognize the care with which the customers treat their collectible vehicles. They can offer even deeper discounted rates if you can tell us more about how much you use your collectible.
Antiques, Classics and Modified Vehicles
- Unlimited Mileage Plan*
So your car's not a trailer queen? At Classic Collectors, we understand how much fun it can be to take a trip cross-country. If you didn't buy or build your car just to leave it in the garage, then this is the plan for you. There are no mileage restrictions. We only ask that you follow the normal usage guidelines. - 6,000 Mile Plan*
If you normally stay a little closer to home, we'll discount your rate below the unlimited mileage plan. With 500 miles a month, you won't need a trailer to haul your baby to as many regional, state and local shows as you want. - 1,200 Mile Plan*
If you own a collection of cars, a trailer queen, or just don't get the chance to drive your collector car as much as you'd like, our 1,200 Mile Plan might be the right fit for you. This plan offers a rate that is virtually unbeatable by other insurance providers.
Exotics and Kits
Mileage plans for Exotics and Kits are 1,000, 3,000 and 5,000 miles.
24 x 7 Emergency Roadside Assistance
You can now have peace of mind every time you enjoy your collectible vehicle. That's because the Classic Collectors Driver Club has been added to your insurance protection at no additional cost. Just call the toll free number on the back of your Driver Club membership card, and you'll get the 24-Hour roadside service you need. Then just sign a form and drive away. You don't have to pay a bill, fill out paperwork, or wait for a reimbursement check.
Towing
If your car needs service, we'll tow it to the nearest shop.
Jump Start
Dead battery? We'll bring cables and give you a jump start.
Lockout Service
Lock your keys in your car? We'll send a locksmith.
Flat Tire Assistance
We'll send someone to install your spare, and if you don't have a spare, your vehicle will be towed by flatbed tow truck upon request .
Fuel Delivery
If your car runs out of gas, we'll deliver enough fuel to help you drive to the nearest service station.
Driver Eligibility
- All licensed drivers in the household may not have more than 1 moving violation or at-fault accident in the past 3 years. A maximum of 2 per household.
- An operator with a major violation is ineligible for the program.
- Licensed drivers must have at least 10 years driving experience in order to be eligible for coverage. Any member without 10 years driving experience must be excluded from the policy (supplemental form required to be signed by insured and excluded driver (s)).
- Each licensed driver in the household must have a regular use vehicle, which is insured with limits equal to or higher than the limits being applied for on the collectible vehicle. At least one regular use vehicle must be less than 15 years old.
- All licensed members of the household and any other drivers of the vehicle must be listed on the application.
Vehicle Usage
Vehicles are not to be used for:
- Work/school commutes
- Regular personal use
- Business/commercial use
- Track, racing or timed events of any kind whether competitive or not
- A substitute for a regular, personal use vehicle
- Backup transportation
Vehicles must be stored in a fully enclosed, locked garage when not in use.
Vehicle Eligibility
Acceptable Vehicle Usage
Pleasure driving is encouraged. The occasional work or school commute is acceptable if you choose to purchase our Drive-to-Work* option, otherwise, under the terms of your policy, your classic car is covered when driven for pleasure, exhibitions, club activities, parades and other functions of public interest.
Vehicles are not to be used for:
- School/Work commutes (unless the Drive-to-Work option is included in your policy)
- Regular personal use
- Business/commercial use
- Track, racing or timed events of any kind whether competitive or not
- A substitute for a regular, personal use vehicle
- Backup transportation
Storage
Vehicles must be stored in a fully enclosed, locked garage when not in use.
Vehicle Valuation
The value of any one covered auto may not be less than $5,000 for non-modified vehicles and $10,000 for modified and exotic vehicles. We reserve the right to adjust vehicle values based on established pricing guidelines such as Old Cars Price Guide, NADA or CPI. We generally do not require appraisals, but may ask for one if the vehicle value exceeds $50,000.
Vehicle Types
Antiques
Vehicles that are 25 years or older and do not deviate substantially from factory available equipment or accessories for the model year are considered Antique Vehicles. Included in this category are Muscle Cars which are typically high performance, two-door vehicles powered by large V-8 engines and manufactured in the 1960's and 1970's.
Modern Classics
Automobiles that are 15 to 24 years old and do not deviate substantially from factory available equipment or accessories for the model year are considered Classic or Modern Classic Vehicles. Vehicles eligible in class will typically have two doors. Four-door cars may be eligible with underwriter approval.
Exotics
Exotic Vehicles are less than 15 years old, rare or limited in production, have two seats, may be modified, and are considered to be appreciating in value. Eligible vehicles in this class are treated as collectibles and are primarily used for occasional pleasure driving or functions of public interest such as exhibitions, club activities, and parades. Agreed value is not available for exotics.
Street Rods & Modifieds
Street Rods and other Modified Vehicles are vehicles that are 20 years or older and have been moderately to heavily altered either mechanically and/or cosmetically from their original power and structural configurations while still maintaining their original identity. Lower rider cars and trucks may be eligible for this program with underwriter approval.
Special Interest
Special Interest Vehicles are trucks, jeep type vehicles, fire engines, military vehicles, farm equipment and motorcycles over 25 years old and in show-quality condition. For truck and jeep types, photos of the bed area are mandatory and the vehicle must not reflect any potential of towing, hauling, off-road, or utility use. These vehicle types require underwriter approval.
Kit Cars & Replicars
Kit Cars and Replicars are vehicles built from purchased packages. Only Kit Cars and Replicars assembled by the manufacturer of the kit or a reputable, experienced assembly shop are eligible. Credentials may be required at the underwriter's discretion.
Ineligible Vehicles
The following vehicles are ineligible for our Classic Collectors program:
- Vehicles with inoperable chassis or interiors
- Vehicles with chassis or interiors that are weathered, wrecked, and/or stripped
- Vehicles that are stripped or useful only for parts
- Vehicles on which prior damage has been done
- Stable, Low Rates
Discounts
Classic Collectors Insurance offers discounts for affiliated car clubs, large collections, alarms and defensive driver training. Save 15% when you switch from any competitor's comparative Agreed or Guaranteed Value policy. See how much you can save when you switch to a classic car policy from Classic Collectors!