Collector Vehicle Usage

Collector Car Insurance considers the usage for collectible cars. We have flexible annual mileage plans as low as 1,000 miles and all the way up to unlimited.

Restricted Vehicle Usage

  • Commuting to work or school
  • Regular personal use
  • Business or commercial use
  • Any track, racing or timed events of any kind whether competitive or not
  • A substitute for a regular, personal use vehicle
  • Backup transportation
  • Vehicles must be stored in a fully enclosed, locked garage when not in use.

Insurance Requirements for Drivers

  • All licensed drivers in the household may not have more than 1 moving violation or at-fault accident in the past 3 years. A maximum of 2 per household.
  • An operator with a major violation is ineligible for the program.
  • Licensed drivers must have at least 10 years driving experience to be eligible for coverage. Any member without 10 years driving experience must be excluded from the policy (supplemental form required to be signed by insured and excluded driver (s)).
  • Each licensed driver in the household must have a regular use vehicle, which is insured with limits equal to or higher than the limits being applied for on the collectible vehicle. At least one regular use vehicle must be less than 15 years old.
  • All licensed members of the household and any other drivers of the vehicle must be listed on the application.

Key Considerations for Vehicle Valuation

  • The value of any one covered auto may not be less than $5,000 for non-modified vehicles and $10,000 for modified vehicles.
  • We reserve the right to adjust vehicle values based on established pricing guidelines such as Old Cars Price Guide, NADA or CPI.
  • We generally do not require appraisals but may ask for one if the vehicle value exceeds $50,000.

Ineligible Vehicles

  • Vehicles with inoperable chassis or interiors
  • Vehicles with chassis or interiors that are weathered, wrecked, and/or stripped
  • Vehicles that are stripped or useful only for parts
  • Vehicles on which prior damage has been done

Definition of Eligible Vehicles

Note: Please note: vehicle type definitions may vary by state


Vehicles that are 25 years or older and do not deviate substantially from factory available equipment or accessories for the model year are considered Antique Vehicles. Included in this category are Muscle Cars which are typically high performance, two-door vehicles powered by large V-8 engines and manufactured in the 1960's and 1970's.


"We have been with Sandy at Collector Car Insurance for the last 6 years. We are very pleased with the service that she provides. She has provided us with excellent coverage at very reasonable rates."

Roy P.


Automobiles that are 15 to 24 years old and do not deviate substantially from factory available equipment or accessories for the model year are considered classic cars. Vehicles eligible in class will typically have two doors. Four-door cars may be eligible with underwriter approval.


"I've been a customer since 1998 and always got quick and friendly service. I recommend all my friends to collector car insurance."

Herb D


Exotic Vehicles are less than 15 years old, rare or limited in production, have two seats, may be modified, and are considered to be appreciating in value. Eligible vehicles in this class are treated as collectibles and are primarily used for occasional pleasure driving or functions of public interest such as exhibitions, club activities, and parades.


"The best personal service, very competitive pricing, insurance from real car people"

Jim N.

Street Rods & Modified

Street Rods and other Modified Vehicles are vehicles that are 25 years or older and have been moderately to heavily altered either mechanically and/or cosmetically from their original power and structural configurations while still maintaining their original identity. Lower rider cars and trucks may be eligible for this program with underwriter approval.

Street Rods & Modified

"Been with the collector car since 2004 very happy with their service Sandy does a great job for me would not use any other insurance for my hot rods one call does it all"

Hank A.

Special Interest

Special Interest Vehicles are trucks, jeep type vehicles, fire engines, military vehicles, farm equipment and motorcycles over 25 years old and in show-quality condition.

Special Interest

"This 1986 Chevy Van sure gets a lot of attention. Just from its appearance, it brings a smile to young and old. But it also brings a smile to me driving it with it's 1998 LS1” followed by six speed manual.

Jason H.

Kit Cars & Replicas

Kit Cars and Replicas are vehicles built from purchased packages. Only Kit Cars and Replicas assembled by the manufacturer of the kit or a reputable, experienced assembly shop are eligible.

Kit Cars & Replicas

"Thank you! Hank was right, you guys are the best! Take care,"

John S.