Collector Car Insurance

If you own a custom, antique, hotrod or even just a unique collectable car, SkySmith can help you with the insurance. SkySmith has access to a number of companies that specialize in collector or custom car insurance.

Collector car insurance is a specialty product. It is tailored for vehicles that are not regularly driven, that are driven for fun only, maybe to a local car club event, a car show or rally and even then, it usually has to be driven less than 5,000 miles a year. Other restrictions or limitations could be that all drivers need to be over 25 years old and you must have another vehicle that you use as your regular “driver”.

Not all insurance agents understand the collector car insurance market. If you have a special vehicle that you need coverage for, look for an agency like SkySmith that understands your car collector’s needs. SkySmith and the insurance companies they work with realize the importance of personal, knowledgeable customer service. They also understand the owner’s need for quality repairs and the use of original parts if there is a claim. SkySmith and specialty collector car insurance companies understand the unique values that custom, classic or antique cars can have.

There are numerous classifications for your “collector car”. Typically it is broken down into: Antiques (autos over 25 years old), Classics (autos 20 to 24 years old), Collectibles (autos 15 to 19 years old), Customs (autos made from 1949 to the present which have been mechanically or cosmetically altered), Exotic cars (autos less than 15 years old but considered to be appreciating in value), Street rods (cars built before 1949 which have been mechanically or cosmetically altered) and Kit cars (autos built from a package). These are just guidelines, there are variations in each of these classifications based on the insurance companies underwriting guidelines and experience. Contact SkySmith to see where your car fits in and what types of coverage are available.

If you have a collector, custom, classic car or any other unusual vehicle, complete our online form for a quote or E-mail SkySmith here.

To complete a Collector Car Online Quote Form click here.

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