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Illustrated country driveway with a tall stone carriage house on the left, a dark classic car inside its open barn doors, and on the right a large tree, a stone gatepost with a folded purple car cover on top and a silver classic convertible parked beside the wall, open gravel between them

Car and collector car insurance

every car in the garage, covered right.

The daily driver, a new driver’s first car and the classic you take out on Sundays. One advisor for all of them.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

every car, the right coverage.

Dents, hail, new drivers and trips to shows. Tap around the garage to see what’s covered, and what isn’t.

Illustrated four-bay garage with a hail-dented classic convertible under a purple cover, an SUV with a dented rear bumper beside a wall charger, a small crossover and a classic fastback strapped to a car trailer

with a collector policy

Hail dents the convertible

Paid at the value you agreed on.

covered

You back into another car

Their repairs and your legal costs.

usually covered

A new driver’s fender bender

When they’re listed on your policy.

usually covered

Your classic, on the way to a show

In transit, on most collector policies.

with a collector policy

Hail dents the convertible

Paid at the value you agreed on.

Examples. Your policy sets the details.

agreed value,
not guesswork.

Pick a policy to see what a total loss pays on a $180K classic.

Agreed value

Pays the value you agreed on.

You and the carrier set the value up front, so a total loss pays that amount.

A $180,000 classic, total loss. What you get: $180,000. out of your pocket: $0.

fender bender?
make one call.

We file the claim, line up the right shop and follow up until it’s closed.

  1. 1. Call us from the scene

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, the report and the other driver’s details go to the carrier.

  3. 3. We push it through

    Repairs and payouts, followed to the end.

the best price, without the shopping.

Tell us about your home and family once. We compare the carriers and bring back your options, side by side.

The Moreno family

your options

$6,400a year, all four cars

3 options, same coverage

Option A$6,400

Option B$7,100

Option C$8,000

4 cars1 classic3 driversClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about car and collector car insurance.

What is agreed value car insurance?
With agreed value, you and the carrier set the car’s value when the policy starts. If the car is totaled or stolen, the policy pays that amount. Standard auto policies usually pay actual cash value instead, which is often lower for classic and collector cars.
Do I need collector car insurance for a classic?
Usually it’s the better fit. Collector policies typically offer agreed value, specialist repair shops and lower premiums in exchange for limited use. Most require the car to be garaged, driven occasionally, and backed by a regular car you use every day.
Can I drive a collector car every day?
Usually not on a collector policy. Most limit use to pleasure driving, shows and club events, sometimes with an annual mileage cap. If you drive it daily, it typically needs a standard auto policy, which may not offer agreed value.
How do I add a new driver to my policy?
Tell us before they start driving. New drivers are usually added to the household policy and assigned to a car. Good grades, driver training and a safer car can help the price. Leaving a licensed driver off the policy can put claims at risk.
Does collector car insurance cover transport to shows?
Often, yes. Many collector policies cover the car while it’s being transported by trailer or a transport company, and some include show and event coverage. Limits and conditions vary, so check the policy before a long trip.

Insurance words, in plain English: agreed value

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA