Coverage

Classic Auto Insurance

Low-mileage coverage built for the car you show, not the car you commute in.

A classic car isn't just transportation — it's an investment, and a standard auto policy treats it like any other depreciating vehicle. Classic auto insurance is built differently: it typically offers Replacement Coverage (also called agreed or guaranteed value) so a total loss pays out the value you and the carrier agreed on up front, not a depreciated market estimate.

Because classic cars are driven far less than a daily driver, carriers offer significantly lower rates for limited-use vehicles — typically up to 5,000 miles a year — plus coverage built around authentic, OEM replacement parts if a repair is ever needed.

• Replacement (agreed/guaranteed value) coverage — no depreciation surprises on a total loss
• Low-mileage program pricing for vehicles driven up to 5,000 miles per year
• Coverage for authentic/OEM replacement parts
• Roadside assistance suited for classic and collector vehicles