Some things you take as givens: you deeply love your collector car, you know that it needs to be well taken care of, and you want the insurance policy that can give it the right coverage so that molehills don’t become mountains. However, you may not know that getting your collector car insurance policy from an independent agency (versus a captive agency) can make a huge difference for you and your vehicle. The fact is, you should not only get the insurance coverage you need – and a policy that takes specific care of your car’s needs – but also the consideration of an agent who understands your unique needs and doesn’t try to lump you into a broad category. 


First, it is helpful to clarify what the difference is between an independent agency and a captive agency. A captive agency only works with one insurance carrier, so their options are limited to that one carrier. An independent agency works with several, allowing them to recommend more personalized options. An independent agency can not only give you the coverage your collector car needs but also treat you like the individual you are. There is no reason that you should have to put up with being treated like a number or a task; you deserve to be treated like a person who loves their car and wants the right coverage to safeguard it. The good news is, with the help of an independent agent, you can have the insurance policy that can be tailored to your car’s features and needs.


Benefits of Working With an Independent Agency


  • Unlike a captive agent that can only work with one insurance carrier, an independent agency can work with multiple carriers, so an independent agency has flexibility whereas a captive agent is bound pretty tightly to their one insurance carrier. You don’t want to limit your options when you deserve to have the best fit for you and your vehicle. 


  • An independent insurance agency can look out for your best interest when it comes to getting your collector car insurance policy, because an independent agent can look at your individual situation and help you find the best fit for you. You want a policy that gives you the protection you need to keep your collector car at its best, and having someone look out for you can make a huge difference. 


  • An independent agency can be there for you when you need support. We can all get flustered when a disaster comes up involving the car we love, so having the support to help pull you through is priceless. You don’t want to deal with an accident or a theft without someone who understands the ins and outs of collector car insurance – and while it is still unpleasant to deal with an issue, it can be much less overwhelming when you don’t have to go through it alone.


The thing is, a captive agency usually cannot give you the options or the care you really need, so it can be highly beneficial to use an independent agent. You should not have to wonder if you are getting the help you want when it comes to protecting something as valuable as your collector car, and an independent agency can have your back when you need it most. 


Ensuring Your Collector Car Is Treated Well


It is well worth your time to make sure your vehicle is properly protected – and working with an independent agency like Collector Car Insurance might be one of the best things you do to protect your collector vehicle from the unexpected. Bottom line, your car is worthy of  personalized care – and so are you. You deserve to have support and advice from someone who knows what they are talking about. Don’t settle for less than the right policy for your situation! Your car and your peace of mind require it.


Here at Collector Car Insurance, we work with American Modern Insurance Group, Infinity Insurance Companies, and Hagerty Classic Car Insurance. We have over 25 years of experience in the insurance industry, we understand on a personal level the love you have for your vehicle, and we want you to always have the opportunity to nurture that passion. You can contact us today at (800) 787-7637 so we can help you find the insurance policy that best fits you and your vehicle. Your collector car is not something to take chances with, so make sure that you get the treatment you deserve!