In some states, a discount is available for primary operators 55 years of age and older (60 for Connecticut) that have completed a motor vehicle accident prevention course within the past three years. The course must be approved by the Division of Motor Vehicles and not required as punishment. A copy of the completion certificate will be required.

In other states to qualify, operators must complete a defensive driving course within the most recent 36 months. Additionally, within the most recent 36 months operators must not have committed any traffic offenses and have not had any at fault claims. The defensive driving course may be a driver improvement clinic or school or an emergency vehicles operations course, or in the case of operators under the age of 25, it may be a preparatory course. Documentation of course completion will be required.

If selected, such discounts shall only apply provided:

1. The auto is individually owned or owned jointly by a husband and wife or members of the same household; and
2. The auto is classified and rated as a private passenger auto; and
3. An insured who customarily operates the auto has a completion certificate dated within the last 36 months certifying that he/she has voluntarily attended and successfully completed the motor vehicle accident prevention course(s), approved by the Insurance Commissioner of Delaware as being eligible for the applicable discount; and
4. With respect to the Advanced Defensive Driving Course Discount, only if a refresher defensive driving course is completed no more than 90 days prior to the 36 month expiration date of the Basic Defensive Driving Course Discount, or within two years thereafter. The applicable discount shall be applied to all autos insured under a policy. If an insured completes both the Basic and Advanced Defensive Driving Courses, only the discount for the Advanced Course shall be applied. These discounts shall apply to new and renewal policies effective within a period of 36 months subsequent to the date of completion of the Basic Defensive Driving Course or the Advanced Defensive Driving Course.

Vehicle Types are defined as below. If you have any concerns on where your vehicle falls, please contact us and we'll assist you directly.

Auto - An automobile or car registered for use on motor highways.

Truck - A truck registered for use on motor highways.

Race Car - A vehicle that is primarily utilized for racing and is not registered for use on motor highways. Liability does not apply to these vehicles. 

Specialty - A unit that does not fit squarely into our other categories that is 20 years and older and has developed into a collector's piece as a result of age, design, rarity, or a combination therein. Vehicles that fall into this category are commonly designed for a unique function and/or purpose such as fire engines, military equipment, and vintage tractors.

Kit Car - Reproductions of previously manufactured vehicles or uniquely designed high performance vehicles that are available in multiple levels of assembly/completion.

Enter the Zip Code of the location where the vehicle is stored.

Enter the State of the location where the vehicle is stored.

No - a vehicle with only minor changes such as radio upgrades, lower cost custom interior, replacement of a motor with comparable output to any trim level of the vehicles original production, or a dressed engine bay.

Yes - upgrade of the engine beyond what was originally available, overall modification of multiple major components of the vehicle, or custom paint job with multiple colors. Also includes significant modifications to the vehicle. Examples would include a pro-street vehicle or significantly modified show vehicle.

Select the plan that best fits your annual usage of your vehicle. 

If you have received a communication from us, please reference the response code here. 

Please enter the expiration date of your current policy.

Please enter the name of the Automobile Insurance Company of your daily driver.

This coverage protects you if you become legally liable for bodily injuries (and property damage if a Combined Single Limit is chosen) to others as a result of the operation of your insured collector vehicle. It helps protect your assets, such as your home and savings. This coverage will help you pay for these damages. The policy will detail what is covered under this protection.

What do the dollar amounts mean?
Split Limits have two amounts displayed (e.g. $100,000/$300,000). The first amount is the coverage limit for any one injured person. The second amount is the total coverage limit for one accident, or incident.

Combined Single Limits have one amount displayed (e.g. $300,000). The amount listed is the coverage limit for each accident, including property damage as well.

NOTE: The Limits selected for this coverage should not exceed those applicable to your regular use vehicle.

This coverage is available when selecting split limits of Bodily Injury liability. This coverage protects you if you become legally liable for damaging the property of others as a result of the operation of your collector vehicle. This may put your personal assets at risk, such as your home or savings. This coverage will help you pay for these damages.

NOTE: This coverage is included with combined single limits of liability.

This coverage provides payments for medical expenses incurred for bodily injury as a result of an accident caused by your insured collector vehicle

Provides coverage per person, per incident for:

Medical Expenses - Personal Injury Protection (PIP) will cover up to 80 percent of all accident-related expenses.

Disability - In some states, Personal Injury Protection covers Disability if any of the covered individuals are unable to work due to accident-related injuries, PIP helps recover up to 60 percent of their gross income. This also includes any reasonable expenses incurred during the recovery period.

Accidental Death - In some states, Personal Injury Protection covers Accidental Death benefits equal to $5,000 or the remainder of unused personal injury protection benefits per individual, whichever is less, will be paid to a covered insured’s executor or designated beneficiary if they die due to accident-related injuries.

When a PIP Deductible is selected, you must select whether that deductible is applicable to the Named Insured Only or to the Named Insured and Resident Relatives.

Please note that in the state of New Jersey, Additional PIP is not available if Deletion of Other than Medical Expense Benefits is chosen.

Personal Injury Protection Work Loss covers Disability if any of the covered individuals are unable to work due to accident-related injuries, PIP helps recover up to 60 percent of their gross income. This also includes any reasonable expenses incurred during the recovery period.

Any named insured age 65 or older and his or her relatives age 65 or older has the option to exclude work loss benefits. If this option is selected, it applies to the named insured and, if elected, the relatives of the named insured and shall remain in effect until revoked by the named insured.

For a reduction in premium, this allows the work loss (aka. Wage Loss) portion of Personal Injury Protection to be coordinated with other recoverable sources. The name of the company providing the work loss benefits is required to be documented on the selection/reject form.

If you choose to coordinate the work loss benefits;

1. You may only select a $0 deductible option for PIP; and
2. You will not be able to reject the work loss portion of PIP.

If PIP is waived, this selection must be left blank.

For a reduction in premium, this allows the medical expense portion of Personal Injury Protection to be coordinated with other recoverable sources. The name of the company providing the medical expense benefits is required to be documented on the selection/reject form. Medicare and Medicaid Supplement policies do not qualify for this coordination.

If you choose to coordinate the medical expense benefits, you may only select a $0 deductible option for PIP.

If PIP is waived, this selection must be left blank.

Personal Injury Protection Accidental Death benefits equal to $5,000 or the remainder of unused personal injury protection benefits per individual, whichever is less, will be paid to a covered insured’s executor or designated beneficiary if they die due to accident-related injuries.

This coverage is specific to Motorcycles and is the only form of Personal Injury Protection available. This coverage is only applicable to the insured when they are a pedestrian.

The Tort Threshold sets forth circumstances under which you may file a claim for an injury sustained during an accident. The "No Limitation on Lawsuit" option allows you to file a claim for any injury that you sustained in the event of an automobile accident. The "Limitation on Lawsuit" option limits your right to sue for pain and suffering.

Also known as the "Health Insurer Option" or "Health Care Primary", cost savings can be achieved if the insured uses their own health insurance as a primary source of coverage in the case of injury related to an auto accident. Documentation of the health insurer(s) is required on the select/reject form when this is selected. MEDICARE and MEDICAID cannot be used for Health Care Primary.

Personal Injury Protection includes coverage for Medical Expense (including treatment from medical providers and any medical equipment to treat injuries) as well as reimbursement for certain other expenses resulting from being hurt, such as lost wages. This option allows for a reduced premium by removing coverage for anything other than Medical Expense for the named insured and family members.

Provides coverage if you're injured in an accident caused by a driver who has no insurance. Uninsured Motorist coverage covers the following expenses:

• Medical

• Lost wages

• Other general damages

• Injuries sustained in hit-and-run accidents

If selecting a Combined Single Limit (e.g. $300,000) this also includes property damage coverage, and the amount selected is the total amount of coverage per incident

If selecting Split Limits ($150,000/$300,000) The dual coverage limits you see refer to the maximum amount that will be paid per person, per incident, respectively.

NOTE: The Limits selected for this coverage should not exceed those applicable to your regular use vehicle.

Provides coverage if you're injured in an accident caused by a driver who has insufficient coverage. Underinsured Motorist coverage covers the following expenses:

• Medical

• Lost wages

• Other general damages

• Injuries sustained in hit-and-run accidents

If selecting a Combined Single Limit (e.g. $300,000), the amount selected is the total amount of coverage per incident

If selecting Split Limits ($150,000/$300,000) The dual coverage limits you see refer to the maximum amount that will be paid per person, per incident, respectively.

NOTE: The Limits selected for this coverage should not exceed those applicable to your regular use vehicle.

Provides coverage if you're injured in an accident caused by a driver who has insufficient coverage. Uninsured / Underinsured Motorist coverage covers the following expenses:

• Medical

• Lost wages

• Other general damages

• Injuries sustained in hit-and-run accidents

If selecting a Combined Single Limit (e.g. $300,000), the amount selected is the total amount of coverage per incident

If selecting Split Limits ($150,000/$300,000) The dual coverage limits you see refer to the maximum amount that will be paid per person, per incident, respectively.

NOTE: The Limits selected for this coverage should not exceed those applicable to your regular use vehicle.

In some states, Added On provides for the coverage limit to apply in excess of other applicable limits while Reduced By will reduce your available limit by the other applicable limits.

Uninsured Motorist Property Damage covers damage to the insured vehicle in an accident caused by a driver who has no insurance coverage. This coverage is optional. The Coverage applies to all units on the policy with the exception of Race Vehicles and Trailers. The Coverage may not be greater than standard Liability Property Damage. It is not available if Uninsured Motorist or Uninsured/Underinsured Motorist coverages are Declined. It is not available if Bodily Injury Combined Single Limits are selected.

Underinsured Motorist Property Damage covers damage to the insured vehicle in an accident caused by a driver who has insufficient insurance coverage. This coverage is optional. The Coverage applies to all units on the policy with the exception of Race Vehicles and Trailers. The Coverage may not be greater than standard Liability Property Damage. It is not available if Uninsured Motorist or Uninsured/Underinsured Motorist coverages are Declined. It is not available if Bodily Injury Combined Single Limits are selected.

Coverage for disability for an insured and passengers when involved in an auto accident.

This coverage provides enrollment in our Roadside Assistance program and expands your policy coverage to include $200 of Roadside Assistance including towing, fuel delivery, flat tire service, lock-out, and entrapment in snow/mud/or sand. Our third party vendor is available 24 X 7 and will have a flatbed tow truck if you need such. 

Automatically included in every policy is $2,000 of Spare Parts coverage. If you require additional coverage amounts, please enter such here. Spare Parts provides coverage for items such as emergency tools kept in your vehicle, an extra set of wheels, an engine you are rebuilding for your covered auto, spare chrome parts, etc. 

Larger collections qualify for a discount if the collection is stored in more than one location. Select yes if your collection is divided between multiple storage buildings (even on the same property), and the majority of the collection is not in any one location.

Larger collections qualify for a discount if the collection is stored in a structure that is constructed of fire resistant materials. Select the option that best describes the primary fire resistant materials utilized in the construction of your garage. General wooden construction is not considered fire resistant.

Larger collections qualify for a discount if the collection is stored in a structure that is protected by security measures. Please select all that apply:

Entry Deterrent - includes items such as fenced with razor wire, video surveillance, barred windows, etc.

Local Fire & Burglar Alarm System - A fire/entry alarm that sounds an alarm that can be heard over 300' from the location.

Central Fire & Burglar Alarm System - A fire/entry alarm that signals a centralized monitoring service and/or the respective fire/police department directly.

Fire Suppression System - Any type of system that detects a fire and deploys counter measures to suppress such. Examples would be sprinkler systems or a dry chemical system.

Motion Sensor Equipped Alarms - Any type of local or central burglar system equipped with motion sensors qualifies for this additional discount

None/Minimal - a vehicle with only minor changes such as radio upgrades, lower cost custom interior, replacement of a motor with comparable output to any trim level of the vehicles original production, or a dressed engine bay.

Modified - upgrade of the engine beyond what was originally available, overall modification of multiple major components of the vehicle, or custom paint job with multiple colors.

Highly Modified - Significant modifications to the vehicle. Examples would include a pro-street vehicle or significantly modified show vehicle. 

Applicable to the Collision and Other Than Collision coverages, the settlement option controls what you can expect at claim settlement time.

Agreed Value - the amount shown is the amount that you will be paid in the event of a total loss.

Stated Amount - We will pay you the actual cash value of your vehicle at the time of the loss, up to the amount of coverage selected. 

Select the plan that best fits your annual usage of your vehicle.

We provide a discount for each vehicle owned by "Active Military Personnel" and their spouse or dependents who are under the age of 18 or unmarried full-time students under the age of 24.

An "Active Military Personnel" is an individual based in Louisiana and who is serving full time:

1. in the Army, Navy, Marine Corps, or Air Force;
2. as a member of the Reserve or National Guard; or
3. as a member of the Coast Guard.

Active Military Personnel who are deployed out-of-state or overseas whose spouse and dependents remain in Louisiana shall be considered as based in Louisiana for purposes of receiving the discount.

Provides coverage for your collector vehicle for items not covered under Collision such as:

• Damage from falling objects

• Fire

• Certain natural disasters

• Vandalism

• Theft

• Glass damage

• Damage from hitting an animal

• Vehicles covered by the policy

Provides coverage for your collector vehicle if it collides with other objects or rolls over.

The collision deductible waiver pays your collision deductible if your insured car is involved in an accident in which an uninsured motorist is held legally responsible.

The collector vehicle policy is meant for vehicles that are utilized less frequently and for pleasure related activities. Here are the usage types for you to select from for your collector vehicle:

Occasional Pleasure Use - Primarily utilized for cruise nights, car shows, parades, occasional pleasure/leisure drives. This also includes vehicles that are kept for collecting purposes only.

Occasional Commuting - If you like to drive your collector vehicle to work once in a while  to blow the dust off of it, show off to your coworkers, or because there is a cruise-in on the way home, this is the usage type for you. If you drive your collector vehicle to work more than twice per week, please contact us to confirm if you qualify for coverage.

Promotional Use - This coverage is for those owners that receive some form of benefit through the use of their collector vehicle. This would include sponsored vehicles that are released to the custody of the sponsor, vehicles utilized in business advertisements, and other similar type activities. Winning awards at shows and cruise-ins does not qualify a vehicle for the promotional use category.

Enclosed Locked Garage - A permanent structure that is fully enclosed and all entryways must have a functioning locking mechanism.

Car Port - Vehicle stored in carports require approval by the company. Please feel free to obtain a quote, but please contact us for approval.

Storage Facility - We will need verification of where and what type of storage is provided.

Not Garaged - Please contact us for any vehicle that is not garaged (e.g. on street parking and parking in driveway)

Alarm Only - equipped with an alarm deice that sounds an audible alarm that can be heard at a distance of at least 300 feet for a minimum of three minutes.

Active Disabling Device - equipped with a device that disables the vehicle by making the fuel, ignition, or starting system inoperative. It is considered "active" if a separate manual step is required to engage the device.

Passive Disabling Device - equipped with a device that disables the vehicle by making the fuel, ignition, or starting system inoperative. It is considered "passive" if it automatically engages itself without a separate manual step.

VIN Etching - vehicle has its vehicle identification number etched into the vehicle's windows and/or body parts.

Vehicle Recovery System - equipped with an operational anti-theft and recovery device consisting of an electronic homing device used in conjunction with a participating police/monitoring agency. When activated, the electronic homing device allows law enforcement agencies to track the stolen vehicle. Proof of this will be required for the discount, including verification of an active contract. 

VIN Etching - Glass - To qualify a vehicle must have the VIN permanently etched into the glass of each panel and a sticker affixed to the driver's side glass panel notifying of such.

VIN Etching - Major Parts - To qualify a vehicle must have the VIN permanently etched into each major part and a sticker affixed to the driver's side glass panel notifying of such. Major vehicle parts are: Engine, trnasmission, hood, grille, each bumper, fenders, trunk lid, tailgate, rear quarter panel, doors, and frame.

Hidden Transmitter - To qualify, the vehicle must be equipped with an operational anti-theft and recovery device consisting of an electronic homing device used in conjunction with a participating policy agency and using a radio frequency network allocated by the Federal Communications Commission. When activated, the electronic homing device allows law enforcement agencies to track the stolen vehicle.

Passive Fuel Cutoff Switch - To qualify a vehicle must have a passive fuel cutoff switch.

Ignition Replacement Lock - To qualify a vehicle must have a high security ignition replacement lock.

Active Ignition Cutoff Switch - To qualify a vehicle must have a Active Ignition Cutoff Switch.

Passive Ignition Cutoff Switch - To qualify a vehicle must have a Passive Ignition Cutoff Switch.

Passive Alarm Motion Detection System - To qualify a vehicle must have a Passive Alarm Motion Detection System.

Active Alarm Forced Action Prompter - To qualify a vehicle must have a Active Alarm Forced Action Prompter.

Active Alarm Hood Lock Latch - To qualify a vehicle must have a Active Alarm Hood Lock Latch.

Ignition/Starter Cutoff Switch and/or Steering Column Collar

1. Ignition or Starter Cutoff Switch - An active device that disables the vehicle by making the starter or ignition system inoperative, in combination with flush or tapered door lock buttons; or
2. Steering Column Collar - An armored collar which clamps on the steering column over the ignition lock.

Fuel Cutoff Device, Steering Wheel Lock, Armored Cable Hood Lock + Ignition Cutoff Switch, and/or Passive Ignition/Starter Cutoff

1. Active Fuel Cutoff Device - makes the fuel system inoperative;
2. Steering Wheel Lock - permanently attached and consists of a steel collar and barrel and whose lock is operated by a tubular key;
3. Armored Cable Hood lock + Ignition Cutoff Switch.
4. Passive Ignition/Starter Cutoff -Disables the ignition or starting system without any manual intervention.

Armored Ignition Cutoff Switch, Supplemental Hood Lock + Ignition Cutoff Switch, and/or Specified Alarms

1. Armored Ignition Cutoff Switch - designed to resist tampering and prevent hot-wiring of the motor vehicle.
2. Supplemental Hood Lock + Ignition Cutoff Switch - An armored cable or electrically operated hood lock which is a supplemental hood lock operated from within the motor vehicle and an ignition cutoff switch.
3. Specified Alarms - An alarm that is equipped with the following items:
   1. Hood lock which can be released only from inside the vehicle by a key or electronic keyless device;
   2. Maintain a self-resetting, 8 minute maximum alarm installed within the engine compartment;
   3. Shall be disarmed by a tubular lock or electronic keyless device; and
   4. Automatic ignition or starter cut-off device.

High Security Ignition Replacement Lock

1. Ignition replacement lock that conforms to federal standards and can not be removed using a conventional slide hammer or lock puller equipment.

A discount applies to vehicles equipped with a factory installed four wheel Anti-Lock Braking System (ABS).

A discount applies for a vehicle that is equipped with a factory installed automatic occupant restraint (automatic seat belts or air bags).

A discount applies for a vehicle that is equipped with a factory installed automatic occupant restraint (automatic seat belts or air bags) in the driver's seat only.

A discount applies for a vehicle that is equipped with a factory installed automatic occupant restraint (automatic seat belts or air bags) in both the driver's seat and the front passenger's seat.

Please identify which vehicle(s) this operator will primarily use. Please note: if this operator has less than 9 years driving experience or violations on their driving record, the quoted premium may increase as a result. 

Other usage is any usage not listed above. This includes using the vehicle primarily as your backup transportation, for business use, for daily personal use, commercial use, or renting the vehicle to others.

Members of approved car clubs and/or associations are eligible for a discount. If you are uncertain of the approval status of your car club/association, or wish to submit it for consideration, please contact us and we will gladly assist you.

Select Yes if the vehicle is under restoration and less than 80% complete.

A vehicle qualifies for this discount if it is equipped with airbag systems on either the driver side only or both driver and passenger sides.

Good Student Discount - To qualify, primary operator must be enrolled as a full time student in high school, college/university, or vocational technical school and maintains a "B" average (3 points on a 4 point scale). It is also required that the primary operator not be conviceted of any major traffic violations. Documentation of the grade average will be required.

College Graduate Scholastic Achievement Discount - An insured is eligible for this discount if the operator is under twenty-five years old and has graduated from a college or university, and the operator's cumulative scholastic record show that he or she has attained one of the following:

1. A grade average of "B" or higher, if letter grades are used, or
2. At least a 3 point average on a 4 point scale (or equivalent).
3. An insured is not eligible for this discount if he or she is a married operator who has been used to classify a vehicle on the policy.

To qualify, the primary operator must be a good driver with no accidents and no convictions for major traffic violations.

Coverage for temporary transportation expenses incurred as a result of the covered unit. 

Coverage for an insured for loss of income that results from a covered loss. 

Coverage for Death Benefits for an insured and passengers when involved in an auto accident.

Coverage for Specific Disability should an insured and/or passengers become disabled as a result of an auto accident.

The DMV allows certain vehicles to be registered as historical vehicles - not used for daily transportation and over 25 years of age or unique vehicles (as defined by the NY DMV). If the vehicle is registered, or to be registered, as a historical vehicle, this selection allows the appropriate reporting to occur with the state. Proof of historical registration is required.