Classic & Collector Car Insurance

Owning a classic or collector car is a passion. Protecting it the right way matters. At Evans Insurance Agency, we partner with three of the most trusted names in specialty vehicle coverage: Hagerty, American Modern, and American Collectors.

These companies focus exclusively on collectible, vintage, and enthusiast vehicles — giving you better protection, better claims handling, and better value than standard auto insurance.

🏆 Why Classic & Collector Car Insurance Is Different

• Agreed value coverage You and the carrier agree on the vehicle’s value upfront. If it’s totaled, you receive that full amount.

• Lower premiums Because these vehicles are driven less and stored more carefully, rates are often significantly lower.

• Specialty repairs Coverage allows for restoration‑quality repairs and original parts.

• Flexible usage Designed for pleasure driving, car shows, parades, and weekend cruising.

Our Collector‑Car Insurance Partners

🚘 Hagerty

• Agreed value protection

• Roadside assistance built for classics

• Access to Hagerty Drivers Club

• Specialty towing for low‑clearance vehicles

• Event and show coverage

Hagerty is the most recognized name in collector‑car insurance and a favorite among enthusiasts.

🚗 American Modern

• Agreed value coverage

• Coverage for vehicles under restoration

• Spare parts protection

• Flexible mileage options

• Specialty claims handling

American Modern is known for insuring everything from antiques to modern collectibles.

🚙 American Collectors

• Agreed value protection

• Mileage plans for occasional drivers

• TLC roadside assistance for classics

• Coverage for memorabilia and spare parts

• Discounts for car‑club members

American Collectors is a great fit for hobbyists, show‑car owners, and weekend cruisers.

What Qualifies as a Classic or Collector Vehicle

• Typically 20–25 years old or older

• Well‑maintained or restored

• Stored in a locked garage

• Limited annual mileage

• Not used for daily commuting

Why Michigan Owners Need Specialty Coverage

Michigan’s no‑fault system can undervalue classic vehicles under standard auto insurance. Specialty carriers protect the true collectible value and offer coverage tailored to how these vehicles are actually used.

Owners in the Tri‑County Detroit region especially benefit from:

• Higher theft protection

• Agreed value payouts

• Restoration‑quality repairs

• Lower premiums for limited‑use vehicles

Classic & Collector Car Insurance FAQ

What makes classic car insurance different from regular auto insurance

Classic and collector policies use agreed value coverage, lower premiums, specialty repair options, and mileage‑limited usage. Standard auto insurance depreciates the vehicle and treats it like a daily driver.

What is agreed value coverage

You and the carrier agree on the car’s value upfront. If the vehicle is totaled, you receive that full amount with no depreciation.

How many miles can I drive my classic car

Mileage varies by carrier, but most allow limited pleasure driving, weekend cruising, and car‑show travel. Daily commuting is not allowed.

Does my classic car need to be stored in a garage

Yes. Hagerty, American Modern, and American Collectors all require secure indoor storage such as a locked garage or storage facility.

Can I get coverage while my car is being restored

Yes. American Modern and Hagerty both offer restoration coverage that protects the vehicle, parts, and ongoing work during the restoration process.

Does classic car insurance cover spare parts

Yes. Many policies include spare‑parts coverage for original or hard‑to‑find components stored separately from the vehicle.

Can I choose my own repair shop

Yes. Specialty carriers allow repairs at restoration shops or with original‑spec parts. You are not limited to standard body shops.

Is roadside assistance included

Hagerty, American Modern, and American Collectors all offer roadside assistance designed for classic vehicles, including flatbed towing and low‑clearance handling.

Can I insure a modern collectible

Yes. Vehicles that are newer but have collectible value — such as limited editions, performance models, or specialty imports — may qualify depending on condition and usage.

Do I need Michigan no‑fault coverage for a classic car

Yes. Michigan still requires liability and no‑fault components, but the collectible portion of the policy protects the vehicle’s true value.

Which carriers do you offer

We proudly offer three of the top collector‑car insurers in the country: Hagerty, American Modern, and American Collectors. Each provides agreed value protection, specialty claims handling, and coverage tailored to enthusiasts.