Agreed Value Coverage
This coverage is better by far than Actual Cash Value (ACV) or Stated Value. In case of a total loss, you will receive the full amount for which you insured their vehicle.

Bodily Injury Coverage
Be sure your bodily injury limits are adequate to protect your assets and meet the underlying amount needed for your umbrella if you have one. Don’t think that just because you rarely use the vehicle, you can’t be sued for large sums of money. When insured under a Classic Car policy, the premium are very low.

Uninsured Motorist Coverage
Protect yourself against injuries that occur as a result of an accident with an uninsured motorist.

No Deductible
In most states, you'll pay nothing if you have a claim with your collector vehicle. We do, however, require a deductible option for newer vehicles under 20 years of age.

One-Time Liability Fee
No matter how many vehicles you have on your policy, you only pay a single liability charge.

Restricted Usage
Watch out for restricted usage clauses. Many policies have mileage restrictions as well as usage restrictions. Some will not allow valet parking or unattended vehicles. Read your policy carefully.