Collector Vehicle Insurance

Today, there are a number of programs claiming to insure collectible cars, but most have age limitations and strict rules about vehicle modification. Unfortunately for most car enthusiasts, these programs have failed to recognize that collectible cars come in all varieties, from the perfectly restored antique to the new, high performance exotic. Yet they all share the owners' dedication to caring for and protecting the auto(s). American Modern Insurance Group is different. We recognize the nature of the individual car owner, not just the year the car was built.

A Policy Designed to Meet Your Needs

At American Modern, our focus is on providing quality protection for just a few select types of insurance, including manufactured homes, motorcycles and collectible automobiles. Our specialty focus helps us better understand the products we insure, so we can provide a policy that is designed to meet your needs.

From Nostalgic to New, We Insure All Types of Collectible Autos.

We don't think a car has to be older before it can be insured as a Collectible. And, we don't think a car that's been mechanically altered for show can't qualify for insurance that protects its true value.

Coverages For Your Lifestyle

Our Collector Vehicle policies provide the necessary standard coverages you'll find in a comprehensive automobile policy for any car. But, because your car is special, we'll also add the following coverages to your policy:

• Agreed Value Coverage, for Better Protection - You know your car is worth more than the depreciated value listed in certain price determination books - and so do we. When you come to us for your insurance, we'll work with you to determine how much your car is worth, and insure it for that amount. If you ever suffer a total loss, your claim is paid at Agreed Value.
• Spare Parts Coverage - If spare parts and accessories for your automobile are destroyed or lost, we'll pay up to $500 to help you replace them.
• Nationwide Roadside Assistance -   Emergency break down, lock out, flat tire, and fuel service 24 hours a day, seven days a week, with no out of pocket expense for you.
• Nine to Five Driver – If you want to commute back and forth to work on a limited basis, you can with this optional coverage.
• Full Safety Glass Coverage- With this coverage we’ll waive your selected deductible for damage to safety glass.

Standard Auto Coverages

As with any Automobile insurance policy, your Collector Vehicle policy will provide all of the following:

• Bodily Injury Liability - Pays for injury you cause to others while driving your car.
• Property Damage Liability - Pays for damage you cause to the property of others while driving your car.
• Uninsured Motorist Coverage - Pays for bodily injury caused to you or family members by an uninsured or underinsured motorist.
• Collision - Covers damage to your vehicle caused by colliding with another object or vehicle.
• Comprehensive - Pays for damage to your vehicle caused by fire, theft, wind, hail, vandalism, falling objects and more.
• Accidental Death and Dismemberment - Pays benefits for certain injuries which are caused by a collision accident while you are driving your car.

Some states require that auto insurers provide coverages in addition to those listed directly above. Depending on your state of residence, your policy may provide one of the following:

• Medical Payments - Pays for necessary medical services resulting from bodily injury sustained by yourself and named family members, when caused by an auto accident.
• Personal Injury Protection (No-Fault) - Allows your own insurance policy to be the primary coverage for bodily injury to yourself or family members, when in an accident involving your car.

Handy Options, Benefits and Extras

• Various Mileage Plans - While your auto should only be driven for pleasure, we do offer various mileage plans for our customers who like to do a bit more pleasure driving! Work with your agent to select the mileage limit that's right for you:
  • Antique, Classic, Collectible, Custom and Street Rod Autos - Select 1,000, 3,000 or 6,000 miles a year.
  • Exotic andReplica Vehicles - Select 1,000 or 3,000 miles a year.
• Roll-Over Mile Coverage- Every mile you don’t use will roll over into the next year.  Simply put, if you don’t use them, you won’t lose them.  As long as you renew your policy, your miles will roll over indefinitely.
• We Let You Take a Trip Without "Counting" the Miles - If you're driving your car on a special trip, add our optional Trip Exclusion Endorsement to your policy before you go. Then, any miles you put on your car during the trip are not counted toward your annual mileage limit. Ask your agent for details.
• One Flat Liability Rate - You pay one premium rate for your liability coverage, regardless of the number of cars on your policy. (Not available in Virginia.)
• Coverage for Newly Acquired Automobiles - If you're like some collectors, there will be times when you buy another car for your collection. Our policies automatically extend to cover another Collectible automobile on the day you purchase it. This coverage is temporary, though, so you'll need to call your agent within 14 days of purchase to officially add the auto to your policy.
• Convenient Payment Options - We offer our customers many flexible ways to pay the premium on their policies. They can pay it all at once, or in convenient installments. They can take advantage of EZPay^TM, a once-a-month electronic funds transfer that pays the premium due - and the customer even picks the day of the month the transfer occurs. For premiums over $500, our customers can also chose a convenient 4-Pay plan. We also take debit cards, Discover^®, MasterCard^®, Visa^® and American Express^®.
• Fast and Reliable Claims Service - Our customers can report a claim online or over the phone, any time day or night. Customer service representatives take claims in person from 8 a.m. to 7 p.m. Eastern Time, Monday through Friday. We also have after-hours and weekend service for emergencies!

Please Note: The availability of and qualifications for deductible and payment options may vary from state to state. In addition, terms, conditions and exclusions not described above may apply. Please contact your agent for more information.

Read Your Policy Carefully

Our site contains general descriptions of the policies and coverages we provide. While you may use this information to help you understand your policy, remember that this site does not describe all of the terms, conditions, limitations or exclusions in your policy, nor does it modify or change your coverage. Our policy and coverage offerings also vary from state to state. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverage.