Classic Car Insurance, Antique and Vintage Insurance
At SGB we understand your classic or antique car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.
It Takes More Than Age to Make It a Classic
Not all collector cars are used the same, so we will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.
To make sure your investment is protected, SGB works for you with insurance companies that have customized a classic and antique car policy
to ensure you have the right coverage for your collector car.
Classic Car Insurance Policy Features
SGB works with companies who’s Classic Car* insurance programs include: Antiques, Classics, Modified Collector, Reproductions, Replicas, and Restoration vehicles. Vehicles must be at least 10 years of age and considered a vehicle that will appreciate in value.
Policy Feature Definitions
- Restricted Use means you drive your collector car about 2,500 annual miles or less. This program is for individuals that have other daily use vehicles, but like to drive their collector car on weekends tours, leisurely fall trips, and special events. Classic car insurance rates are much lower to reflect the vehicle’s limited use.
- Regular Use means you drive your collector car daily, and you may or may not have other regular use vehicles.
- Agreed Value is automatically provided for your collector car which means you’re covered to the insured value, less your deductible, in the event of a total loss.
- Deductible Options means you have a choice of selecting higher deductibles to save additional money on your premium.
- Winter Storage means you can reduce your coverage to Comprehensive only if you store (not drive) your vehicle during the winter months. Just call your SGB Independent Classic Car agent to arrange it.
- Garaging means your collector car must be stored in a fully enclosed, locking garage.
- Collections means we will insure your entire collection whether it’s just one car or 10 or more cars. Your satisfaction is important to us, so we will work with you to make it fit just right.
- One Policy means you can mix your daily use autos with your collector cars on the same policy and still get all of the Classic Car insurance coverages or split them up. It’s your choice.
Call for a Quote on Classic, Antique or Replica Car Insurance
SGB can also offer additional coverage options for vehicles (auto, RV and classic car) written on your auto policy – including rental, roadside assistance, new vehicle replacement and more. Have greater protection and peace of mind knowing that you’re better prepared for the unexpected.
* Some of SGB’s Classic Car insurance companies will not cover Kit cars, Restoration vehicles rebuilt to less than 50%, or vehicles designed for racing or with nitrous oxide.
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