Collector Vehicle Insurance

Legacy Underwriters, in partnership with American Modern Insurance, provides collector vehicle insurance that protects your clients’ prized possessions with agreed value coverage. Whether it’s a classic, antique, muscle car, or a modified vehicle, our policies ensure that clients are covered for the full value of their cars without the risk of depreciation. With discounts up to 20% and options for multiple vehicles, we help your clients preserve the value of their collection. Let us assist you in providing comprehensive protection for classic cars, race cars, and more—ensuring the value they’ve worked so hard for stays intact.

Collector Vehicle Insurance

Legacy Underwriters, in partnership with American Modern Insurance, provides collector vehicle insurance that protects your clients’ prized possessions with agreed value coverage. Whether it’s a classic, antique, muscle car, or a modified vehicle, our policies ensure that clients are covered for the full value of their cars without the risk of depreciation.

COLLECTOR VEHICLE insurance

Custom Coverage for Every Journey

An elderly woman is standing next to a white car holding a camera.
A woman is sitting in a red car talking on a cell phone.

 With discounts up to 20% and options for multiple vehicles, we help your clients preserve the value of their collection. Let us assist you in providing comprehensive protection for classic cars, race cars, and more—ensuring the value they’ve worked so hard for stays intact.

A close up of a car 's headlights and grille.

Discounts

A combination of the following discounts can help customers save up to 20%:

Anti-theft device*

Association membership

Automatic fire suppression system

Central station fire protection / burglar alarm

Customer loyalty (renewal)*

Homeownership (any carrier)

Large collection*

Two or more different policies with American Modern*

Multiple vehicles on a policy*

No driving violations

Paperless policy

Paying in full

Preferred customer (claims free)

Prior insurance (from other carrier)

Safety course completion*

A collector car’s age, rarity, value, unique features, limited use, availability of parts and services, and popularity across generations make it more desirable than a common auto. We welcome a wide range of vehicles:

 

  • Classic
  • Antique
  • Muscle
  • Street rod
  • Modified
  • Replica
  • Kit car
  • Exotic
  • Race car
  • Restoration in process
  • Fire engine
  • Military vehicle
  • Truck
  • Key coverage: Agreed value settlement eliminates depreciation

 Before the policy activates, you as the agent, the car’s owner, and our underwriters agree on the car’s value and insure it for that amount. In the event of a total loss, that agreed-upon value is the payout amount (inclusive of taxes and fees). The deductible of course applies, but there is no depreciation and no misunderstanding.