Policy Features*

As an American Collectors’ customer, you can be sure that your classic vehicle has the best coverage available. Your investment will be protected by a policy that is tailored especially for collectors.  Features* include:

• Agreed-Value Coverage – This pays the vehicle’s full-insured value (less any applicable deductible) with no depreciation in the event of a total loss.
• Inflation Guard – Because collector vehicle values generally appreciate over time, American Collectors will increase your vehicle’s value by 2% every quarter, up to a maximum of 8% per year, at no additional cost.
• Spare Parts Coverage – Your classic spare parts are automatically covered up to $500 (additional coverage may be available).
• $0 Deductible Available - This means you will have no out-of-pocket expense in the event of a claim.
• Flexible Usage – You’re not limited to “parades only.” Enjoy driving your collector vehicle up to 2,500 or 5,000 annual miles. Our customers do not need to be in “attendance” of their vehicle during usage.
• Automatic Coverage for Additions to the Collection – 30-day automatic coverage is provided for any newly acquired, qualifying vehicle that is added to your collection during the policy term (values up to $25,000).