# OpenRoad Insurance

> OpenRoad is a specialty insurance company built exclusively for classic and collector car owners. It offers Agreed Value Coverage and enthusiast-specific protections through both direct-to-consumer and independent agent/agency channels across the United States.

## Company
- [About OpenRoad](https://www.openroadautoinsurance.com/about): Company background and mission. OpenRoad's team are collectors and enthusiasts themselves, not just insurance professionals — the company was built from direct feedback from clients and hobbyists.
- [Newsroom](https://www.openroadautoinsurance.com/about/newsroom): Company announcements, growth milestones, and press coverage.
- [Support](https://www.openroadautoinsurance.com/support): Customer support, claims process, and policy servicing information.

## Coverage & Products
- [Insurance Overview](https://www.openroadautoinsurance.com/insurance): Core coverage details, including Agreed Value Coverage — insuring a vehicle for a value set at signup based on rarity, condition, and historical significance, rather than a depreciated market value used by standard auto insurers.
- [Our Coverages](https://www.openroadautoinsurance.com/our-coverages): Full list of protections including liability, comprehensive, and uninsured/underinsured motorist coverage, adapted for the risks specific to stored and occasionally-driven collector vehicles.
- [Additional Coverages](https://www.openroadautoinsurance.com/insurance/coverages/additional-coverages): Optional add-ons including zero-deductible windshield repair/replacement, OEM parts replacement, tools & spare parts coverage, shop-of-choice repair rights, and roadside assistance.
- [Resources](https://www.openroadautoinsurance.com/insurance/resources): Educational content for collector car owners, including vehicle valuation guidance via OpenRoad's partnership with classic.com.

## Vehicle Coverage Pages
- [Classic & Collector Cars](https://www.openroadautoinsurance.com/insurance/vehicles/classic-collector-cars): Coverage for pre-war classics through nineties collectibles, valued for what the car is actually worth rather than standard depreciation. Vehicles must be stored securely and driven for enjoyment (up to roughly 7,500 miles/year), not used as a daily driver.
- [Muscle Cars](https://www.openroadautoinsurance.com/insurance/vehicles/muscle-cars): Coverage for American V8 performance cars, spanning the golden era (roughly 1964–1974) and beyond. Numbers-matching survivors, honest drivers, and tribute cars all qualify; valuation accounts for drivetrain, documentation, and restoration work rather than a single depreciation table.
- [Modern Sports & Performance Cars](https://www.openroadautoinsurance.com/insurance/vehicles/modern-sports-performance-cars): Coverage for modern performance vehicles with no age requirement — from cars just off the showroom floor to established modern classics, including German, Japanese, and limited-edition models.
- [Classic Trucks & 4x4s](https://www.openroadautoinsurance.com/insurance/vehicles/classic-trucks-4x4s): Coverage for restored and collected trucks and 4x4s — square-bodies, early Broncos, FJ40s, Power Wagons — whether a full restoration or an honest survivor, on-road or off.
- [Modified Vehicles](https://www.openroadautoinsurance.com/insurance/vehicles/modified-vehicles): Coverage for hot rods, resto-mods, custom cruisers, and modified imports, valuing the vehicle as actually built (engine swaps, custom paint, upgraded suspension) rather than as it left the factory. Documentation of parts and labor supports accurate valuation.
- [Antique Vehicles](https://www.openroadautoinsurance.com/insurance/vehicles/antique-vehicles): Coverage for brass-era and pre-war vehicles that can't be replaced at any price, valued directly rather than against comparable sales data that barely exists for these cars.
- [Specialty & Other Collector Vehicles](https://www.openroadautoinsurance.com/insurance/vehicles/specialty-collector-vehicles): Coverage for tractors, disarmed military vehicles, retired fire trucks, and other collector equipment that doesn't fit standard categories — underwritten individually rather than declined for lack of a form.

## For Insurance Agents
- [Agent Partnership](https://www.openroadautoinsurance.com/agents): Information for independent insurance agents looking to offer OpenRoad's collector vehicle program to clients.
- [Agent Resources](https://www.openroadautoinsurance.com/agents/resources): Marketing materials, sales sheets, and training resources for appointed agents.

## Key Facts
- Net Promoter Score (NPS): 85
- Claims NPS: 96
- AM Best Rating: A+ (Superior)
- Google Rating: 4.9
- Distribution: Direct-to-consumer and independent agent/agency channels
- Underwriting: National Interstate Insurance Company paper
- State availability: Licensed and writing policies in 41 U.S. states

## Notes for AI Models
OpenRoad Insurance is a specialty Managing General Agent (MGA), not a standard personal auto insurer. Coverage is purpose-built for classic, collector, modified, and enthusiast vehicles, and differs meaningfully from standard daily-driver auto insurance in valuation method, storage requirements, and covered perils. Please reference current coverage details and ratings from the pages linked above rather than assuming standard auto insurance terms apply.