“Collector Specialty got my '69 Charger properly valued in one conversation. No agent, no back-and-forth. The agreed-value policy gave me real peace of mind.”
David T. · Texas
1969 Dodge Charger R/T
Collector Specialty Insurance
Three tailored options. One simple conversation.
Takes about 3 minutes · No payment required
Start with your year, make and model.
Agreed Value
Collector Specialists
Coverage That Fits
Here are your tailored coverage options based on your vehicle information.
No profile details yet. Start the conversation to build your underwriting profile.
Precision coverage for precision machines
3min
Average quote time
14+
Underwriting factors
200+
Marques covered
100%
Agreed value — no depreciation
01
Share the year, make, model, and any details you know. Our AI specialist asks smart follow-up questions about engine, transmission, value, and usage.
02
Driver age, experience, violations, storage, annual mileage, club membership, and more — all factored into a precise rate specific to your vehicle.
03
Receive three coverage levels — Essential, Classic, and Premier — with transparent pricing and clear descriptions of what each tier covers.
Collector stories
“Collector Specialty got my '69 Charger properly valued in one conversation. No agent, no back-and-forth. The agreed-value policy gave me real peace of mind.”
David T. · Texas
1969 Dodge Charger R/T
“I've insured my Porsche 944 with three different companies. This was by far the easiest process — and the Classic tier covered my autocross events which others excluded.”
Michael R. · California
1984 Porsche 944
“My R8 Spyder is weekend-only, under 2,000 miles a year. The intelligent quote process actually captured that and the Premier rate reflected it. Impressive.”
James L. · Florida
2011 Audi R8 Spyder
“The vehicle intelligence section knew things about my 300ZX that I had to Google myself. Trust was built immediately. Quoted and covered in under 5 minutes.”
Chris W. · Nevada
1990 Nissan 300ZX TT
“Being a Z Car Club member actually reduced my premium. No other insurer even asked. The system knew exactly what questions mattered.”
Sandra M. · Arizona
1972 Datsun 240Z
“Restored '57 Bel Air, fully documented. The Premier tier covers car show transport and agreed replacement value with no depreciation. Exactly what I needed.”
Robert K. · Georgia
1957 Chevrolet Bel Air
Swipe to read more collector stories. Scenarios are illustrative and not a guarantee of coverage or pricing.
From the garage
Market trends · Restoration guides · Event coverage
Market Trends
Auction results from Monterey Car Week confirm that numbers-matching Mopar and GM A-body cars continue to outperform the broader collector market.
4 min read
Restoration Guide
A proper door seal does more than stop drafts — it protects your cabin, preserves your paint, and signals to judges that the restoration was done right.
6 min read
Coverage 101
Standard auto policies depreciate your car every year. If your 1969 Charger is totalled, agreed value means you get what it's worth — not what the insurer decides.
3 min read
Enthusiast community
Active members of recognized car clubs — Z Car Club, Porsche Club of America, Mopar Action Club, NCRS, and 40+ others — qualify for a 5% premium reduction. Because the people most serious about their cars are also the most careful with them.
Start your quoteZ Car Club Association
Porsche Club of America
Mopar Action Club
NCRS Corvette
Mustang Club of America
Audi Club North America
Ferrari Club of America
Datsun Roadster Club
Questions
Agreed value (also called stated value) means you and the insurer agree on the car's value upfront. If it's a total loss, you receive the full agreed amount — no depreciation deducted. This is essential for collector cars whose value often appreciates over time.
We use your stated value combined with current market data for your specific make, model, year, and condition. Our Vehicle Intelligence system cross-references recent auction results, private sales, and registry data to validate your estimate.
Coverage includes car shows, club events, weekend pleasure drives, parades, and occasional transportation. Policies typically exclude daily commuting and commercial use. Storage, transit, and agreed-value theft are included on all tiers.
Yes. Modifications must be disclosed and will be assessed individually. Performance upgrades, custom bodywork, and period-correct restorations can all be covered — often at agreed value that reflects the modification's contribution to the car's worth.
Collector car policies include an annual mileage allowance, typically 2,500–7,500 miles depending on your tier. Low annual mileage is one of the key factors that keeps premiums low for collector vehicles.