You wouldn’t just use any oil in your car would you?  Of course not!  You know exactly what gets the best performance while providing maximum protection for your engine.  Preconceived notions about collector vehicle insurance can be just as harmful as neglecting your car.  Read on to find common misconceptions debunked.

Misconception: “Cars must be 25 years or older to get covered.”

Debunked:  While we do insure classics we also insure modern vehicles, so long as they hold collector value and are not used as daily driving vehicles.  We’ll consider all years, all makes, and all models!

Misconception: “You need at least 10 years of driving experience to be covered.”

Debunked:  Operators of the insured vehicle(s) only need 5 or more years of licensed driving experience.  All drivers with 5-9 years of experience should be listed on the policy.  

Misconception: “Other companies are offering ‘unlimited’ mileage, but American Collector's doesn't." 

Debunked:  Time to read the fine print on this one!  Other insurance providers claim to give you “unlimited” mileage but it’s limited to pleasure and hobby activities!  What if you want to drive your car to the store or to work once in a while?  With American Collectors, you can choose to use your collector vehicle for pleasure and hobby activities only OR you can choose our Freedom Tier which will allow you to use your vehicle for some general transportation as well.

Misconception: “You need a different kind of policy for high value collections.”

Debunked:  Actually, American Collectors provides coverage for high value vehicles and even offers discounts for vehicles and collections of vehicles valued at $250K and above!  From Mustangs to McLarens, we have you covered.

Misconception: “You need a separate policy for each vehicle you own.”

Debunked:   There’s no need for any extra paperwork – put all your collector vehicles on one policy to save yourself a headache and some trees at the same time.  We insure all types of vehicles, so give us a shot even if you’re unsure.

Misconception: “You have to call customer service to pay your bill, change your policy, or report a claim.”

Debunked:  You can accomplish all of this without ever picking up the phone.  Just visit the American Collectors website and click on “Manage My Policy” at the top.  You can cross it off your to-do list with the click of a button!

Misconception: “I need to get a vehicle appraisal before applying.”

Debunked:   American Collectors Insurance does NOT require vehicle appraisals to obtain coverage – yet another convenience we provide our customers.

Misconception: “My vehicle isn’t on the road yet, so I can’t get insurance.”

Debunked:   We actually do protect vehicles undergoing restoration.  At the beginning, we’ll provide comprehensive coverage in case of fire, theft, vandalism, and more.  Then as the restoration progresses, so can the coverage!  When your car is ready to hit the road, give American Collectors a call to add liability, collision, and any other desired coverage.   

American Collectors Insurance is your go-to insurance provider for all types of collector vehicles and unique situations.  Before assuming, give us a try.  You’ll be glad you did.