American Modern Classic Car Insurance: Tailored Solutions for Classics

Protecting Your Automotive Legacy: American Modern’s Tailored Classic Car Insurance

When it comes to protecting your cherished classic car, it’s crucial to choose an insurance provider that understands its unique value and characteristics. American Modern, a leading insurer in the classic car market, offers a meticulously crafted American modern classic car insurance policy that is tailored to meet your every need. Our policies are designed to provide comprehensive coverage while accommodating the specific requirements of classic car ownership. Whether you’re seeking agreed value coverage, collector car coverage, or a range of flexible options, we’ve got you covered. American Modern’s classic car insurance is renowned for its unparalleled expertise, 24/7 support, and valuable perks that enhance your ownership experience. If you’re passionate about preserving and enjoying your classic car, American Modern is your trusted partner in providing the peace of mind you deserve.

American Modern Classic Car Insurance: Preserving Your Automotive Legacy, our comprehensive policies are meticulously designed to safeguard the legacy of your classic automobile. With our agreed value coverage, you can rest assured that your vehicle’s worth is guaranteed, ensuring a fair settlement in the event of a total loss. Additionally, our collector car coverage is tailored to protect vehicles that are not driven on a regular basis, providing peace of mind for those cherished collector’s items. But that’s not all! We offer a flexible array of coverage options, allowing you to customize your policy to meet your unique needs. From liability coverage to collision and comprehensive coverage, we’ve got you covered every step of the way. To further enhance your protection, our special endorsements provide added peace of mind, including roadside assistance and rental car reimbursement. Whether you’re a seasoned classic car enthusiast or just starting your journey, American Modern is here to guide you.

Our team of dedicated classic car specialists is ready to assist you with personalized advice and guidance, ensuring you make informed decisions about your coverage. They possess a wealth of knowledge and experience, sharing your passion for preserving automotive history. Plus, our 24/7 claims assistance is always there for you, guaranteeing prompt and efficient handling of any claims that may arise. But wait, there’s more! American Modern offers a host of additional benefits and perks to enhance your insurance experience. Our show car coverage provides specialized protection for vehicles displayed at car shows and events, ensuring your prized possession is safeguarded during these special occasions. We also offer various discounts and savings, including multi-car discounts and club memberships, helping you save money while protecting your investment. It’s time to choose the right policy for your classic car. American Modern provides a straightforward and comprehensive approach to assessing your needs and selecting the ideal coverage. By carefully considering factors such as agreed value, collector car status, and your driving habits, you can make an informed decision. Contact us today for a quote and start your journey towards peace of mind, knowing that your classic car is protected by the experts at American Modern.

1. Tailored Coverage for Classic Cars

When it comes to insuring your classic car, it’s crucial to choose a provider that understands its unique value and characteristics. American Modern’s classic car insurance policies are meticulously designed to address the specific needs of classic car owners, providing tailored coverage that goes beyond standard auto insurance. Our policies are built on a foundation of agreed value coverage, ensuring that your vehicle’s worth is guaranteed in the event of a total loss. This eliminates the uncertainty and potential disputes that can arise with market value policies, giving you peace of mind that your classic car is protected for its true value.

In addition to agreed value coverage, American Modern offers collector car coverage, specifically tailored for vehicles that are not driven on a regular basis. This coverage is designed to provide comprehensive protection while recognizing the unique usage patterns of collector cars. Whether you’re an avid car show enthusiast or simply want to preserve your cherished classic, our collector car coverage has you covered. But that’s not all! American Modern understands that every classic car owner has different needs and preferences. That’s why we offer a range of flexible coverage options, allowing you to customize your policy to meet your specific requirements. From liability coverage to collision and comprehensive coverage, our flexible options ensure that your classic car is protected against a wide range of potential risks. To further enhance your protection, we offer special endorsements, such as roadside assistance and rental car reimbursement, providing added peace of mind and convenience when you need it most.

With American Modern’s tailored classic car insurance, you can rest assured that your cherished vehicle is protected by a provider who understands its unique value and characteristics. Our policies are designed to provide comprehensive coverage, flexible options, and valuable perks, giving you the peace of mind you deserve as a classic car owner. Whether you’re cruising down the open road or showcasing your pride and joy at car shows, American Modern is your trusted partner in preserving and protecting your automotive legacy.

Agreed Value Coverage

Agreed value coverage is a type of insurance coverage that guarantees a predetermined value for your vehicle in the event of a total loss. This means that, regardless of the actual cash value of your car at the time of the loss, you will receive the agreed-upon amount from your insurance company. This type of coverage is particularly beneficial for classic cars, as their value is often not accurately reflected by their market value.

Unlike market value policies, which fluctuate based on factors such as age, condition, and mileage, agreed value coverage provides a guaranteed payout. This eliminates the uncertainty and potential disputes that can arise when determining the value of a classic car after a total loss. With agreed value coverage, you have the peace of mind of knowing exactly what your car is worth, regardless of market conditions.

To determine the agreed value of your classic car, you will work with your insurance company to assess its condition, rarity, and other factors that contribute to its value. Once the agreed value is established, it will be stated in your policy and will remain in effect for the duration of the policy period. If your car is totaled during this time, you will receive the agreed-upon value, minus any applicable deductible. Agreed value coverage is a valuable option for classic car owners who want to ensure that their vehicle is protected for its true worth. By eliminating the uncertainty associated with market value policies, agreed value coverage provides peace of mind and financial protection in the event of a total loss.

Collector Car Coverage

Collector car coverage is a type of insurance specifically designed for vehicles that are not driven on a regular basis. This type of coverage provides comprehensive protection for your classic car, even if it is only driven occasionally or for special events. Collector car coverage typically includes the following features:

• Agreed value coverage: This ensures that you will receive the predetermined value of your car in the event of a total loss, regardless of its actual cash value at the time of the loss.
• Limited mileage: Collector car policies typically have lower mileage limits than standard auto insurance policies. This reflects the fact that collector cars are not driven as frequently as everyday vehicles.
• Storage coverage: Collector car coverage provides protection for your car while it is in storage, whether at your home, a storage facility, or a car show.
• Event coverage: Collector car coverage can be extended to provide protection for your car while it is being transported to or from car shows or other events.

Collector car coverage is a valuable option for classic car owners who want to ensure that their vehicle is protected, even if it is not driven regularly. This type of coverage provides peace of mind and financial protection in the event of a covered loss.

If you are considering collector car coverage, it is important to shop around and compare quotes from different insurance companies. Be sure to ask about the specific features and benefits of each policy, as well as the cost. By comparing quotes, you can find the best collector car insurance policy for your needs and budget.

2. Flexible Coverage Options

American Modern’s classic car insurance policies offer a range of flexible coverage options to meet the unique needs of each individual collector. Our goal is to provide tailored protection that fits your specific requirements and gives you peace of mind. Here are some of the key coverage options you can choose from:

• Liability coverage: This coverage provides financial protection in case you are responsible for causing injury or damage to others or their property while driving your classic car. Liability coverage is typically required by law in most states.
• Collision and comprehensive coverage: Collision coverage pays for damage to your classic car if it is involved in a collision with another vehicle or object, regardless of who is at fault. Comprehensive coverage pays for damage to your classic car from events other than collisions, such as theft, vandalism, or natural disasters.
• Special endorsements: Special endorsements can be added to your policy to provide additional protection for your classic car. Some popular endorsements include roadside assistance, rental car reimbursement, and agreed value coverage.

By carefully considering your individual needs and selecting the right coverage options, you can create a classic car insurance policy that provides the protection you need at a price you can afford. Our experienced insurance specialists are here to help you every step of the way, ensuring that you have the coverage you need to protect your cherished classic car.

Liability Coverage

Liability coverage is a type of insurance that provides financial protection in case you are responsible for causing injury or damage to others or their property. This coverage is typically required by law in most states, and it is an essential part of any classic car insurance policy. Liability coverage can help you pay for the following expenses:

• Medical expenses for injuries to others
• Repair or replacement costs for damaged property
• Legal fees if you are sued

The amount of liability coverage you need will vary depending on your individual circumstances and the laws in your state. However, it is generally recommended to purchase as much liability coverage as you can afford. This will help to protect you from financial ruin in the event that you are involved in an accident.

There are two main types of liability coverage:

• Bodily injury liability coverage: This coverage pays for the medical expenses of people who are injured in an accident that you cause.
• Property damage liability coverage: This coverage pays for the repair or replacement of property that is damaged in an accident that you cause.

You should also consider purchasing uninsured/underinsured motorist coverage. This coverage will protect you in the event that you are involved in an accident with a driver who does not have insurance or who does not have enough insurance to cover your damages.

Collision and Comprehensive Coverage

Collision and comprehensive coverage are two types of insurance that protect against physical damage to your vehicle. Collision coverage pays for damage to your car if it is involved in a collision with another vehicle or object, regardless of who is at fault. Comprehensive coverage pays for damage to your car from events other than collisions, such as theft, vandalism, or natural disasters.

Collision coverage is typically required by lenders if you are financing your classic car. Comprehensive coverage is optional, but it is highly recommended, as it can provide valuable protection for your investment.

The amount of collision and comprehensive coverage you need will vary depending on the value of your classic car and your individual circumstances. However, it is generally recommended to purchase as much coverage as you can afford. This will help to protect you from financial loss in the event that your car is damaged or destroyed.

Here are some examples of how collision and comprehensive coverage can protect you:

• Collision coverage: If you are involved in a car accident, collision coverage will pay for the repairs to your car, regardless of who is at fault.
• Comprehensive coverage: If your car is stolen, vandalized, or damaged by a natural disaster, comprehensive coverage will pay to repair or replace your car.

Collision and comprehensive coverage are essential parts of any classic car insurance policy. These coverages can help to protect your investment and give you peace of mind knowing that your car is protected in the event of an accident or other covered event.

Special Endorsements

Special endorsements are optional add-ons that can be added to your classic car insurance policy to provide additional coverage and benefits. Some of the most popular special endorsements include:

• Roadside assistance: This endorsement provides coverage for towing, jump-starts, flat tire changes, and other roadside emergencies.
• Rental car reimbursement: This endorsement provides coverage for the cost of renting a car if your classic car is damaged or stolen.
• Agreed value coverage: This endorsement guarantees that you will receive the predetermined value of your classic car in the event of a total loss, regardless of its actual cash value at the time of the loss.
• Show car coverage: This endorsement provides coverage for your classic car while it is being transported to or from car shows or other events.
• Collector car coverage: This endorsement is designed for classic cars that are not driven on a regular basis. It provides coverage for storage, transportation, and special events.

Special endorsements can provide valuable protection for your classic car and give you peace of mind knowing that you are covered in the event of an unexpected event. When choosing special endorsements, it is important to consider your individual needs and the specific risks that your classic car faces.

Here are some examples of how special endorsements can protect you:

• Roadside assistance: If your classic car breaks down on the side of the road, roadside assistance can provide towing, jump-starts, flat tire changes, and other services to get you back on your way.
• Rental car reimbursement: If your classic car is damaged or stolen, rental car reimbursement can provide coverage for the cost of renting a car while your classic car is being repaired or replaced.
• Agreed value coverage: If your classic car is totaled, agreed value coverage will guarantee that you receive the predetermined value of your car, regardless of its actual cash value at the time of the loss.

3. Unparalleled Expertise and Support

American Modern has been a leading provider of classic car insurance for over 50 years. We have a team of dedicated classic car specialists who are passionate about protecting your investment. Our specialists have the knowledge and experience to help you choose the right coverage for your classic car and provide you with the support you need throughout the life of your policy.

In addition to our team of specialists, we also offer a range of support services to our policyholders, including:

• 24/7 claims assistance: We are available 24 hours a day, 7 days a week to help you file a claim and get your car back on the road as quickly as possible.
• Online claims filing: You can file a claim online at your convenience, anytime, anywhere.
• Dedicated claims adjusters: You will be assigned a dedicated claims adjuster who will handle your claim from start to finish.
• Claims tracking: You can track the status of your claim online or by calling our customer service line.

We understand that your classic car is more than just a vehicle. It’s a passion. That’s why we are committed to providing you with the best possible coverage and support. We want you to enjoy your classic car for many years to come.

Dedicated Classic Car Specialists

American Modern’s team of dedicated classic car specialists is here to provide you with personalized advice and guidance throughout the life of your policy. Our specialists have a deep understanding of classic cars and the unique needs of classic car owners. They can help you choose the right coverage for your car and ensure that you have the protection you need.

Here are some of the ways that our classic car specialists can help you:

• Provide personalized advice: Our specialists can provide you with personalized advice on all aspects of classic car insurance, from choosing the right coverage to filing a claim.
• Help you choose the right coverage: Our specialists can help you choose the right coverage for your classic car, based on your individual needs and budget.
• Answer your questions: Our specialists are always available to answer your questions about classic car insurance.
• Help you file a claim: If you need to file a claim, our specialists can help you through the process and ensure that you receive the benefits you are entitled to.

Our classic car specialists are passionate about classic cars and they are committed to providing you with the best possible coverage and support. They want you to enjoy your classic car for many years to come.

24/7 Claims Assistance

American Modern understands that accidents can happen at any time, which is why we offer 24/7 claims assistance. Our team of experienced claims specialists is available around the clock to help you file a claim and get your car back on the road as quickly as possible.

Here are some of the benefits of our 24/7 claims assistance:

• Peace of mind: Knowing that you can file a claim anytime, anywhere gives you peace of mind.
• Prompt claims handling: Our claims specialists will start working on your claim immediately, so you can get your car back on the road as quickly as possible.
• Fair and accurate settlements: Our claims specialists are committed to providing fair and accurate settlements.

To file a claim, simply call our toll-free number at 1-800-654-1234. You can also file a claim online at our website.

We understand that filing a claim can be a stressful experience, which is why we are committed to making the process as easy and painless as possible. Our claims specialists are here to help you every step of the way.

4. Additional Benefits and Perks

American Modern is committed to providing our classic car insurance policyholders with the best possible coverage and support. In addition to our comprehensive coverage and unparalleled expertise, we also offer a range of additional benefits and perks to enhance your insurance experience.

Here are some of the additional benefits and perks that we offer:

• Show car coverage: This coverage provides protection for your classic car while it is being transported to or from car shows or other events.
• Discounts and savings: We offer a variety of discounts and savings to our policyholders, including multi-car discounts and club memberships.
• Roadside assistance: Our roadside assistance program provides coverage for towing, jump-starts, flat tire changes, and other roadside emergencies.
• Rental car reimbursement: If your classic car is damaged or stolen, our rental car reimbursement program can provide coverage for the cost of renting a car while your classic car is being repaired or replaced.

We are constantly looking for ways to improve our coverage and provide our policyholders with the best possible value. We believe that our additional benefits and perks make American Modern the best choice for classic car insurance.

Show Car Coverage

Show car coverage is a type of insurance that provides protection for classic cars while they are being transported to or from car shows or other events. This coverage is important because it can help to protect your classic car from damage or theft.

Show car coverage typically includes the following features:

• Transportation coverage: This coverage provides protection for your classic car while it is being transported to or from car shows or other events.
• Display coverage: This coverage provides protection for your classic car while it is on display at car shows or other events.
• Special events coverage: This coverage provides protection for your classic car while it is participating in special events, such as parades or rallies.

Show car coverage is an important part of any classic car insurance policy. It can help to protect your investment and give you peace of mind knowing that your classic car is protected while it is on display or being transported.

Here are some examples of how show car coverage can protect you:

• Transportation coverage: If your classic car is damaged in an accident while being transported to or from a car show, show car coverage can help to pay for the repairs.
• Display coverage: If your classic car is damaged while on display at a car show, show car coverage can help to pay for the repairs.
• Special events coverage: If your classic car is damaged while participating in a special event, show car coverage can help to pay for the repairs.

Discounts and Savings

American Modern offers a variety of discounts and savings to our classic car insurance policyholders. These discounts can help you save money on your insurance premiums, so you can enjoy your classic car without breaking the bank.

Here are some of the discounts and savings that we offer:

• Multi-car discount: If you insure multiple classic cars with American Modern, you may be eligible for a multi-car discount.
• Club membership discount: If you are a member of a classic car club, you may be eligible for a club membership discount.
• Safe driver discount: If you have a clean driving record, you may be eligible for a safe driver discount.
• Mature driver discount: If you are a mature driver, you may be eligible for a mature driver discount.
• Loyalty discount: If you have been a loyal American Modern customer for a certain number of years, you may be eligible for a loyalty discount.

We are always looking for ways to save our policyholders money. We believe that our discounts and savings make American Modern the most affordable choice for classic car insurance.

5. Choosing the Right Policy

Choosing the right classic car insurance policy is important to ensure that your classic car is protected in the event of an accident or other covered event. Here are a few factors to consider when choosing a policy:

• The value of your classic car: The value of your classic car will determine the amount of coverage you need. You should have your classic car appraised to determine its value.
• Your driving habits: If you only drive your classic car occasionally, you may be able to purchase a policy with a lower mileage limit.
• Your storage location: If you store your classic car in a garage or other secure location, you may be able to purchase a policy with a lower premium.
• Your budget: Classic car insurance premiums can vary depending on the coverage you choose and the value of your car. It is important to shop around and compare quotes from different insurance companies to find the best rate.

Once you have considered these factors, you can start shopping for classic car insurance policies. Be sure to read the policy carefully before you purchase it to make sure that you understand the coverage and the terms and conditions.

Here are some additional tips for choosing the right classic car insurance policy:

• Talk to your insurance agent: A qualified insurance agent can help you assess your needs and find the right policy for your classic car.
• Read reviews of different insurance companies: This can help you get an idea of the quality of customer service and the claims handling process of different companies.
• Compare quotes from different insurance companies: This is the best way to find the best rate on classic car insurance.

Factors to Consider

When evaluating classic car insurance policies, it is important to consider the following factors:

• Coverage: The coverage provided by the policy should meet your individual needs. Make sure that the policy covers the value of your classic car, your driving habits, and your storage location.
• Premium: The premium is the amount of money you will pay for the policy. Premiums can vary depending on the coverage you choose, the value of your car, and your driving history.
• Deductible: The deductible is the amount of money you will pay out of pocket before the insurance company starts to pay. A higher deductible will result in a lower premium, but it will also mean that you will have to pay more out of pocket in the event of a claim.
• Company reputation: The reputation of the insurance company is important. You want to choose a company that is financially sound and has a good claims handling process.
• Customer service: The customer service of the insurance company is also important. You want to choose a company that is easy to work with and that will be there for you when you need them.

It is important to weigh all of these factors carefully when choosing a classic car insurance policy. By taking the time to compare policies and choose the one that is right for you, you can ensure that your classic car is protected in the event of an accident or other covered event.

Getting a Quote

Getting a quote for classic car insurance is easy. You can either contact an insurance agent or get a quote online.

To get a quote from an insurance agent, you will need to provide the agent with the following information:

• The make, model, and year of your classic car
• The value of your classic car
• Your driving habits
• Your storage location

The agent will then use this information to get you a quote from the insurance company.

To get a quote online, you will need to visit the website of the insurance company. You will then need to enter the following information:

• The make, model, and year of your classic car
• The value of your classic car
• Your driving habits
• Your storage location

The insurance company will then provide you with a quote.

Once you have a quote, you can compare it to quotes from other insurance companies to find the best rate.

Here are some additional tips for getting a quote for classic car insurance:

• Be honest and accurate when providing information about your classic car and your driving habits.
• Ask the insurance company about any discounts that you may be eligible for.
• Read the policy carefully before you purchase it to make sure that you understand the coverage and the terms and conditions.

What is agreed value coverage?

Agreed value coverage is a type of insurance coverage that guarantees a predetermined value for your classic car in the event of a total loss. This means that, regardless of the actual cash value of your car at the time of the loss, you will receive the agreed-upon amount from your insurance company.

What is collector car coverage?

Collector car coverage is a type of insurance specifically designed for classic cars that are not driven on a regular basis. This type of coverage provides comprehensive protection for your classic car, even if it is only driven occasionally or for special events.

What are special endorsements?

Special endorsements are optional add-ons that can be added to your classic car insurance policy to provide additional coverage and benefits. Some of the most popular special endorsements include roadside assistance, rental car reimbursement, and agreed value coverage.

What is the difference between liability coverage and collision coverage?

Liability coverage provides financial protection in case you are responsible for causing injury or damage to others or their property. Collision coverage pays for damage to your classic car if it is involved in a collision with another vehicle or object, regardless of who is at fault.

How can I get a quote for classic car insurance?

You can get a quote for classic car insurance by contacting an insurance agent or getting a quote online. To get a quote, you will need to provide information about your classic car, your driving habits, and your storage location.