Protect Your Investment with the Right Insurance

Did you know, a standard auto policy won't give you the coverage you need to protect your investment when it comes to classic, collectible, or specialty vehicles?

That's why the lenders we work with require a guaranteed or agreed value insurance policy, showing the lienholder details, with deductibles no greater than $500. This type of policy ensures your vehicle is covered for its true value, not just its depreciated cost, and helps act as a safeguard.

Tip: Securing the right coverage early in the process is one of the best ways to avoid funding delays and keep everything on track.

Here are three key reasons why having quality insurance for a classic or collector car is essential:

Agreed Value Coverage

Quality classic car insurance typically offers agreed value policies, meaning you and the insurer agree on the car's value upfront.

In the event of a total loss, you're paid that agreed amount, unlike standard policies that may only pay depreciated market value.

Specialized Coverage

Insurers specializing in classic or collector cars understand the unique needs of these vehicles.

They offer coverage for things like restoration, rare parts, and limited mileage, and they often work with repair shops experienced with vintage models.

Transport Protection

Many collector cars are shown at events or transported to exhibitions.

Quality insurance can cover these activities, including transit damage, event liability, and storage, protections not typically included in standard auto insurance.

Gingerbread Insurance

Our Sweetride Insurance Specialists work with different companies to find one that gives you the most benefits at the best price.

Affordable insurance from America's #1 Collector Car insurance company: Hagerty's average policy saves you over 50% of what a daily auto policy costs.
Payment plans: Yearly, quarterly, semi-annual, and monthly available as well as stress free auto pay.
Flexible usage: No mileage restrictions for pleasure drives, occasional errand running and driving to work to show off that sweet ride. Additional options available for expanded use.
Driveway, Carport, Garage, and Communal Garages qualify in most states.
Youthful drivers under 25 are accepted.
In house restoration specialists, adjusters are experienced in restoring cars. They will help find original or rare parts during a claim process.

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TurnKey Collector Car Insurance

Our deep knowledge of cars and their owners lets us offer you exceptional classic car insurance coverage for less.

To be eligible for coverage, your collector car must be used for hobby use and limited pleasure driving only. You must have a separate regular use vehicle. Your collector's car must be kept in a locked private garage or rented storage unit. All drivers must be 25 years old.
Low-cost insurance - limited use hobby program results in lower insurance costs, annual payment term.
Unlimited mileage for collector car oriented activities and occasional pleasure driving.
Towing and Labor claim reimbursement up to $250.00
Trip interruption coverage up to $600.00
Spare parts coverage up to $500.00
Annual policy with one payment term

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