American Collectors Insurance

American Collectors Insurance: Collector & Classic Car Coverage

For more than 45 years, American Collectors Insurance (ACI) has been a trusted name in protecting classic and collector cars across the United States. Unlike standard auto insurers, ACI’s programs are designed exclusively for enthusiasts who view their vehicles as works of art, investments, and family heirlooms, not daily drivers.

With Agreed Value coverage, TreasureGuard benefits, and flexible options for mileage and storage, American Collectors Insurance delivers coverage built around the collector lifestyle. Whether you own a vintage muscle car, restomod, antique truck, or motorcycle, ACI understands what makes your vehicle unique, and ensures it’s insured that way.

Eligibility Guidelines for American Collectors Insurance

Usage & Mileage

Collector vehicles are intended for limited, pleasure-based driving such as exhibitions, tours, or club events. ACI offers multiple mileage tiers to fit different lifestyles:

• Common mileage tier: 2,500 miles per year
• Options available up to and including unlimited pleasure use
• Driving for daily commuting or routine errands is not permitted

Storage Requirements

Proper storage is essential to qualify for collector coverage.

• Acceptable: Enclosed garages, pole barns, or secure storage units
• Conditionally accepted: Carports or limited-access parking garages with 24/7 security
• Not accepted: Open driveways, public parking lots, or temporary tents

Vehicle Appearance

Collector vehicles should reflect pride of ownership. Minor wear is expected, but cars must be free from major rust, dents, or neglect. Restoration in progress is eligible under specialized coverage until completion.

Vehicle Age

Most vehicles 20–25 years or older may qualify as classics, though newer limited-production or special-interest vehicles can also be considered. Modern exotics, replicas, and kit cars are eligible upon underwriting approval.

Driver Eligibility

To qualify, the collector must:

• Hold a valid driver’s license
• Be at least 26 years old or have 6+ years of driving experience
• Maintain a separate daily-use vehicle for each licensed household driver

Daily Use Vehicle Requirement

Every licensed driver in the household must have access to a primary vehicle for everyday use. Collector vehicles cannot serve as primary transportation.

Value Adds That Set American Collectors Insurance Apart

American Collectors Insurance stands out with a wide range of complimentary and optional benefits that go beyond traditional car insurance:

• Agreed Value Coverage: Receive the full insured amount, minus your deductible, in the event of a covered total loss, no depreciation applied.
• TreasureGuard Benefits (Included): Complimentary extras like your choice of repair shop, basic towing, and spare parts coverage at no additional cost.
• C.A.R.E. Plan (Collector Auto Reimbursement & Expenses): Covers towing, transportation, and emergency expenses for collector vehicles.
• Inflation Guard: Automatically adjusts your Agreed Value limit to reflect rising market values in the event of a total loss.
• Restoration Coverage: Protects your vehicle during the restoration process, even while in parts or under repair.
• Newly Acquired Vehicle Coverage: Up to 30 days of automatic protection (up to $100,000) for qualified newly purchased collector vehicles.
• Tailored Mileage Plans: Flexible driving limits that align with your lifestyle, from minimal use to unlimited pleasure driving.
• Multi-Vehicle Discounts: Save more when you insure multiple collector cars under one policy.
• Additional Discounts: Available for mature drivers, garage security, and vehicles valued above $250,000.

These added benefits reflect ACI’s focus on flexibility, affordability, and true collector-oriented protection.

Coverages Available Through American Collectors Insurance

American Collectors Insurance provides a wide array of specialty programs designed for nearly every type of collectible vehicle and enthusiast collection:

• Classic & Collector Cars: From antiques to modern classics
• Custom Cars & Hot Rods: Includes restomods, rat rods, lowriders, and street rods
• Import & Exotic Collector Cars: Tailored coverage for luxury, high-performance, and rare imports
• Classic Trucks & Utility Vehicles: Coverage for restored pickups, 4x4s, and unique haulers
• Classic Motorcycles: Protection for vintage and collector motorcycles
• Collector Military Vehicles: Jeeps, transport trucks, and restored military assets
• Antique Tractors & Fire Trucks: Coverage for agricultural and vintage service vehicles
• Vintage Race Cars & Kit Cars: For limited exhibition and show use
• Collectibles Insurance: Policies for automobilia, memorabilia, model collections, and more

From individual classics to expansive private collections, American Collectors Insurance can safeguard the full range of your automotive passion.

High Value Homeowners Insurance

Coastal Insurance Solutions: Your Partner in Collector Car Coverage

At Coastal Insurance Solutions, we help clients navigate the options among leading collector car insurers, including American Collectors, Hagerty, PURE, and Chubb. Our advisors understand that high-net-worth individuals often own more than one specialty vehicle, and that coverage must integrate seamlessly with your broader portfolio.

We help clients:

• Compare American Collectors vs Hagerty vs Chubb vs PURE
• Determine whether to bundle or separate collector and standard auto coverage
• Secure Agreed Value protection for all collectible or exotic vehicles
• Integrate umbrella liability and multi-vehicle coverage for seamless protection
• Leverage carrier strengths for flexibility, pricing, and claims handling

Why Work With Coastal Insurance Solutions?

Every collector’s needs are unique, and so are their cars. At Coastal, we specialize in aligning your collector auto coverage with your broader home and umbrella policies, ensuring no gaps or overlaps in protection.

We don’t just quote; we strategize, helping you select the ideal mix of carriers, coverage limits, and deductibles for your situation. Our goal is to help you protect your investments, your lifestyle, and your legacy.

Protecting your legacy is our top priority. Reach out today to learn the best ways to protect your autos, your home, your assets, and your family. With Coastal Insurance Solutions, you gain a trusted partner who will tailor a coverage package to your needs while comparing quotes from the finest insurance companies in the market.

Frequently Asked Questions About American Collectors Insurance

Do I qualify for collector car insurance?

To qualify, you must hold a valid driver’s license, be at least 26 years old (or have 6+ years of experience), and maintain a separate daily-use vehicle. The vehicle must be well-maintained, securely stored, and used only for pleasure or events, not commuting.

How many miles can I drive per year under an ACI policy?

ACI offers flexible mileage tiers starting at 1,000 miles per year and extending to unlimited pleasure use options. Most collectors choose the 2,500-mile plan, but options vary by state and policy.

Why is Agreed Value coverage important?

Agreed Value ensures that in the event of a covered total loss or theft, you receive the full insured value without depreciation. Unlike standard policies based on market value, ACI policies guarantee your payout upfront, protecting vehicles that often appreciate in value.

What types of vehicles qualify for coverage?

ACI covers an extensive range of vehicles, including muscle cars, antiques, street rods, restomods, motorcycles, trucks, exotic cars, and even antique tractors or fire trucks. Replicas and kit cars are also considered on a case-by-case basis.

Does American Collectors Insurance offer restoration coverage?

Yes. Vehicles undergoing active restoration can be insured during the process, protecting your investment from start to finish.

How long has American Collectors Insurance been in business?

Founded in 1976, ACI has over 45 years of experience insuring classic cars and collectibles. Their mission is to Embrace, Protect, and Expand the collector community through specialized products and expert service.