Some classics are taken out for a Sunday drive into town, while others are admired, worked on and cleaned up in the garage.  Not everyone uses their classic or antique vehicles the same, which is why Classic Car Insurance Chicago will work with you to select the appropriate policy and give you exactly the right coverage you need.

It is important for us to understand your coverage needs, miles driven, vehicle age, and any vehicle modifications to ensure you get the correct policy for your investment.  Here are some things to keep in mind when you’re shopping for classic car insurance or collector car insurance:

Agreed Value:

This means the insurance carrier will pay you the full amount which you agreed to in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you can purchase as well. Talk to a Classic Car Insurance Chicago agent to find out which coverage is best for your situation.

Low Rates:

Collector vehicles aren’t usually driven year round, so your insurance premium will reflect a rate off of being driven part time.

Coverage Options:

Each collector car is unique. That is why Classic Car Insurance Chicago will work with you to determine the right amount of coverage to ensure your classic is insured properly.



Don’t be afraid to drive that classic! Not all of our companies limit mileage driven, but most base the rate off of being driven less than 5,000 miles a year.


Roadside Assistance:

It’s a classic! Unfortunately, they are prone to breaking down from time to time. With a Roadside Assistance endorsement you can drive worry free.

Regular auto insurance is great for your daily personal car. However, it simply does not provide the type of specialized coverage you need for a classic or collector car. Collector car insurance is designed to cover a vehicle that has been restored, modified or customized.

In addition, Classic Car Insurance Chicago recognizes the typical low annual miles of a classic car and is priced accordingly.


Classic car insurance is very similar to regular car insurance, but is often less expensive because the vehicles being insured are not used for everyday driving.

There are a number classic car insurance companies available and a number of factors that qualify vehicles for Classic Auto Insurance, including the model year, annual miles driven, and customizations.

With auto insurance carriers constantly changing rates in order to position themselves in the competitive market of auto insurance. We reassure our customers that the rate we offer is the most competitively priced with the best coverage offered for their budget.

We’re as passionate about classic cars as you are. Our deep knowledge of cars and their owners allows us to offer you better collector car insurance coverage for less. Our agents understand how much time, effort and love you have put into your classic car. Let Classic Car Insurance Chicago be there with you every step of the way to keep you and your classic protected.


With so many different options and great benefits, the classic car insurance cost is surprisingly low. Detailed photographs of your classic auto are very important!  In the unfortunate event of a claim, it will make the claims appraisal process much smoother! Just like if you are taking an inventory, you will want to make sure that every little piece of information as well as every dent or scratch is accounted for before the event of an accident.

Next Steps To Get You Insured...

Get your classic car insurance quote by phone or stop by our office.