Protect Your Classic Ride with Collector Car Insurance

Tailored coverage for your prized vehicles in Visalia, Fresno, and the Central Valley. Drive with confidence and peace of mind.

What is Collector Car Insurance?

Collector car insurance is designed to protect vintage, classic, and high-value vehicles that are more than just modes of transportation—they’re investments. Unlike standard auto insurance, collector car policies are tailored to reflect the true value of your vehicle and its unique usage. At Modern Edge Insurance Brokers, we offer customizable policies for classic car enthusiasts in Visalia, Fresno, and beyond.

Key Features of Collector Car Insurance

  • Agreed Value Coverage: Your policy will reflect the appraised value of your car, ensuring you’re fully protected.

  • Flexible Mileage Options: Choose a policy that suits how often you drive your collector car.

  • Specialized Repair Coverage: Covers repairs at restoration shops that specialize in classic cars.

  • Spare Parts Coverage: Protects valuable spare parts and accessories for your car.

  • Roadside Assistance for Classics: Emergency services tailored to vintage vehicles, including flatbed towing.

Frequently Asked Questions

What qualifies as a collector car?

Vehicles typically qualify if they are classic, vintage, exotic, or high-value, and are not used as daily drivers.

How is the value of my car determined?

Collector car insurance uses an agreed value, which is established between you and the insurer based on appraisal or market value.

Can I drive my collector car regularly?

Policies are designed for limited use, such as car shows, parades, or occasional leisure drives. Regular commuting or daily use isn’t covered.

Do I need a special license or garage to qualify?

Many insurers require collector cars to be stored in a secure garage and driven by experienced, responsible drivers.

How much does collector car insurance cost?

Premiums are typically lower than standard auto insurance due to limited use and the specific value of the car. Contact us for a personalized quote.