Agreed-value coverage means you and the carrier settle on your car's worth up front — not a depreciated payout after the fact. We shop specialty carriers built for collector vehicles.
Standard auto policies pay actual cash value on a total loss — often far less than what you've put into a restoration. Classic car policies work differently.
Your car's insured value is set up front, so a total loss pays that amount — not a depreciated estimate.
Coverage for spare parts and components stored for restoration or maintenance.
Specialty towing that won't risk further damage to a collector vehicle.
Coverage that fits car shows, club events, and cruise nights, not just point-A-to-B driving.
Policies for antique vehicles and modified street rods, matched to the right specialty carrier.
Bundle with your everyday vehicle or other policies for additional savings.
A captive agent will often insure your classic on a standard auto policy — which means a total loss gets paid out at depreciated actual cash value, not what the car is actually worth to you. Specialty collector-car carriers exist specifically to fix this with agreed-value coverage.
We've placed classic and collector vehicles with specialty carriers out of the same Danville office since 1977.
Tell us the make, model, year, restoration details, and how you use it. We'll match you with a specialty carrier and agreed value that reflects what the car is actually worth.
Call (434) 793-5000You and the carrier agree on your car's insured value up front, so a total loss pays that full amount instead of a depreciated actual cash value.
Requirements vary by carrier, but most policies are built for vehicles roughly 20-25 years or older, or vehicles with collector or antique status regardless of age.
Most classic car policies expect limited use — pleasure driving, shows, and club events rather than a daily commute. We'll match you with a carrier whose usage rules fit how you drive it.
Yes — bundling with your everyday vehicle or other policies often unlocks additional discounts.
Licensed Danville agents. No prompt tree. No 800-number runaround.
Call (434) 793-5000