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Classic & Antique Cars

Classic Car Insurance

Your classic car or antique automobile needs special protection. Whether you inherited it, bought it at an auction, or rebuilt your perfect dream car, your classic car deserves to be protected properly.

Classic or collectible cars in general must be over 26 years old and restored to operating condition. Classic and antique cars qualify for special rates and coverages. Most "general car insurance" carriers won't (and truly can't) properly insure your dream car.

A few carriers, such as Safeco, and Mercury  have special classic car insurance programs that can be added to your existing policy. This can be nice as you can save money on your classic car insurance by getting a multi-vehicle discount!

In addition to Safeco, as an independent agent we work with many antique car, collector car, and specialty car carriers including American Modern, Hagerty, and JC Taylor.  

They along with our local expierence specialize in knowing how to insure your collector car.  More importantly - we know how to adjust and pay claims quickly for your classic auto.

So if you are looking for classic car insurance in Torrance, San Pedro, Los Angeles, or thoughout California - put us to the test.   We'll cut though the details and find the right policy at the right price for your classic and collector car insurance needs!

Our offices are conveniently located at:

1622 S. Gaffey #104
San Pedro, CA 90731

3220 Sepulveda Blvd #202
Torrance, CA 90505

Classic Auto Insurance Rates

In general, rates for classic auto and collectible automobiles are lower than your standard car as they are generally driven less and usually are meticulously cared for. Depending on your circumstances, you can expect on average to pay 30% to 60% for classic auto insurance less than standard insurance rates. For example a 1967 Camaro valued at $30,000 might cost just over $200 per year to insure.

Saving on Collectible car Insurance

Rates for classic car, antique cars, and collectibles are  determined on use and on your driving record. Multi-car and multi-policy, garaging, alarms, and more all make a difference.

You can also save money on your classic car insurance by applying the additional discounts available if you are a member of a local, or national Collector Car, Classic Car, or Antique Auto club.

Classic Car and Antique Auto Insurance Coverages

Not all policies are alike. Some offer just a standard "Actual Cash Value" in the event of a loss.  They are not the same, and may not serve you well. Carriers who specialize in classic and antique cars have coverage and services that are geared to collectors, and may even provide parts location assistance.

They will offer "Agreed Value" or "Stated Value" policies where you and the carrier agree to a set value should something happen.

If you have a loss you want to be sure you get the right value for your valued classic car.

Other coverages & options include:

  • Trip interruption
  • Roadside Assistance
  • Flexible Useage
  • Restoration Coverage
  • Auto Show Coverage
  • Parts location assistance
  • Spare parts
  • Valuation Assistance
  • Automotive Memoribilia (Vintage signs, Gas pumps, Globes, etc)

What Qualifies

  • Antique - Classic - Collector Cars
  • Exotic Cars -  Special interest - Replicas
  • Fire Trucks - Military Vehicles
  • Low-Riders - Muscle Cars - Street Rods
  • Miotorcycles - Sccoters - Tractors
  • Vehicles under restoration

Let us do the shopping for you

We offer multiple classic car - antique auto - and collector car carriers that offer with several options.

Let's discuss your needs and we'll shop the market to find the best coverage and rates that fit your needs.