Classic & Collector Car Insurance
Classy Coverage for Your Classic
Coverage Built for Classic & Collector Cars
Classic and collector car insurance covers vehicles kept for enjoyment rather than daily transportation. The difference from standard auto comes down to value. Your car isn't depreciating on a schedule, and many collector vehicles appreciate. A standard policy prices a 1963 Split-Window on model year and depreciation, which produces a number no collector would accept. Collector coverage starts from what the car is actually worth.
What Qualifies as a Classic or Collector Car
Most collector vehicles qualify. Pre-war classics, sixties sports cars, seventies survivors, and nineties collectibles all fit, restored or original. What matters is how the car is owned: it isn't your daily driver, it's stored securely, and it's driven for enjoyment. We'll consider up to 7,500 miles a year, more road than most collector policies allow. Drive it every weekend or twice a season. Both are covered the same.
What Classic Car Insurance Covers
Agreed Value
We set your car's value with you before the policy starts, and that's what you're paid on a total loss. No depreciation, no adjuster deciding after the fact. You can update the number any time, which matters in a market that moves faster than annual renewals do.
OEM Parts & Shop of Choice
A repair should give you back thecar you had. We cover original equipment parts, because on a collector car are production panel or the wrong trim piece shows up in the value years later. You also pick the shop, so the person who already knows your car is the one who works on it.
Tools & Spare Parts
Collector ownership means accumulating things. The NOS trim you bought because you knew you'd need it eventually, the tools nobody else touches. Coverage includes up to $1,000 for tools and spare parts, plus $250 for a car cover, so a break-in or a garage fire doesn't cost you more than the car itself.
Why Get Classic & Collector Car Insurance From OpenRoad
We write specialty vehicles and nothing else, so everyone you talk to knows the difference between a driver and a concours car. Quotes take minutes. Claims go to a team that handles collector vehicles every day, not a general queue. 88% of clients surveyed would recommend us to a friend. After a claim, 97% would. On top of that, we have a 4.9 rating on Google.
There's Nothing Standard About Our Coverage
Because there’s nothing standard about your vehicle.
We’re collectors too, which is why we include all the protections you care about most.
All the Coverage,
None of the Hassle.
Every classic car insurance policy includes agreed value coverage, OEM parts, your choice of repair shop, and tools & spare parts protection. Standard, not upsold.
Service that Actually
Feels like Service.
Everybody says it. Almost nobody delivers it. We answer the phone when you call, and we stay on it until you have what you need. 88% of clients surveyed would recommend us to a friend. 97% after a claim. Our Google rating is 4.9. Real service, from real people who love cars.
Premium Protection
Without the Premium Price.
As collectors ourselves, we built the coverage we'd want on our own cars. The price reflects limited miles and secure storage, because that's how these cars are owned.
Our Coverages
Your vehicle is far more than the sum of its parts. Which is why our coverage is tailor made for collectors and enthusiasts.
Agreed Value Coverage
Agreed value coverage guarantees you and OpenRoad agree on your car's value upfront, so you're paid that exact amount in the event of a total loss. No depreciation, no surprises.
Tools & Spare Parts Coverage
$1,000 of comprehensive coverage for your insured vehicle’s spare parts and tools.
Additional Coverages
We cover all the details you care about: replacement windshields, OEM parts, repairs at the shop of your choice, even the expense of an emergency evacuation.
Optional Coverages
Let you retain your sentimental salvage in the case of a wreck, and cover vehicles under construction.
Serious Coverage.
Simple Process.
Start your quote in minutes and see how much you could save.