Classic car insurance
from an agent that owns one.
We work with leading classic car insurance markets to help match your vehicle to the right coverage.
Whether that’s weekend drives, a growing collection, or taking your vehicle to shows and events, we’ve got you covered. By comparing multiple classic car insurance markets, we can find a policy that fits both your lifestyle, coverage needs, and your budget. All backed by names you know and trust.
Hagerty Insurance
With Hagerty, special cars get special coverage, whether they’re from 1910 or 2010. So no matter your special car, Hagerty has options to make sure your coverage reflects your love for it.
American Collectors Insurance
Have a unique interest? Their American Collector’s Insurance covers muscle cars, street rods, exotics, antique trucks and motorcycles, and even unique vehicles such as farm tractors, military vehicles, and more!
Insurance built for people who actually love cars.
If you own a classic car, you already know the difference.
Your vehicle isn’t just transportation.
It’s a weekend project. A conversation starter. A piece of history.
It’s early mornings in the garage.
It’s something you protect, maintain, and take pride in.
And insuring it like a daily driver can leave you seriously under-protected.
Classic car insurance is designed specifically for collector vehicles — with coverage, pricing, and claims handling built around how classics are actually owned and driven.
Why regular auto insurance fails classics:
Standard car insurance assumes:
• daily commuting
• heavy annual mileage
• depreciation over time
• generic replacement value
Most collector vehicles:
• are driven occasionally
• are garage kept
• appreciate in value
• require specialized repair and parts
That’s why classic car policies are built differently.
Agreed Value Explained
What is “Agreed Value” coverage?
With regular auto insurance, your payout is based on depreciated value.
With classic car insurance, you and the carrier agree on the vehicle’s value upfront.
If a total loss occurs, you receive the full agreed value — not a reduced estimate.
No surprises. No depreciation. No guessing.
What vehicles qualify?
We help insure:
Classic and antique cars
Muscle cars
Collector vehicles
Exotic and specialty vehicles
Vintage trucks and SUVs
Modified and restomod vehicles
Vehicles under restoration
Garage-kept enthusiast vehicles
If it’s special to you, it’s worth asking about.
Why work with a local agency?
Working with a local Florida agency means:
• Real help when you need it
• Guidance on storage and eligibility
• Help determining proper vehicle value
• Local support during claims
• Someone who actually understands the car community
We don’t treat collector cars like everyday vehicles — because they aren’t.
Looking for more?
Explore our Classic Car Insurance Resource Garage — guides, explanations, and answers for collectors and enthusiasts.
FAQs
Often, yes. Because collector vehicles are driven less and stored more securely, premiums are typically lower than standard auto policies.
Yes — but policies are designed for hobby and pleasure use rather than daily commuting.
Not always. Many vehicles can be insured using market data and photos.
Yes. Vehicles under restoration can often be covered during the build process.
Most collector policies require the vehicle to be stored in a secure garage or storage facility when not in use. This helps keep premiums lower and protects the vehicle from unnecessary risk.
Classic car policies typically include flexible annual mileage guidelines designed for hobby and pleasure driving — not daily commuting. Many owners never come close to the limits.
Yes. Collector policies are built specifically for car shows, cruise nights, club events, and occasional pleasure driving.
Absolutely. Many classic cars have upgrades, restorations, or modern performance improvements. These can usually be included when determining the agreed value.
Yes. Many owners bundle multiple classics under one policy, which can simplify coverage and sometimes reduce overall cost.
In many cases, coverage can be started quickly once eligibility and vehicle details are confirmed.
No. In most cases, pricing is the same whether you purchase directly or work through an independent agency. The advantage of working with an agency is that we can compare multiple classic car insurance options and help you find the right fit for your vehicle, how you use it, and your budget — all at no additional cost to you. That means more support for no extra cost!
Absolutely. Carriers love working with independent agents like Smith & Thomas Insurance because we help support their clients. If your policy is written through one of our partner carriers, we can often move the policy to our agency to service and assist you locally if you don’t have an agent already. If your current coverage is with another company, we’re happy to review your options and see if another classic car insurance program may be a better fit for your needs.