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frequently asked questions

saving on your collector car insurance

Everyone wants to get more for less. These answers explain how to do just that without paying more in the long run.

Collector car premiums

How to save

Collector car premiums


How much does collector car insurance cost?

Given all the factors influencing your quoted premium, it can be tough to give a number that's relevant for all customers. That said, collector car insurance — which can cover anything from a horseless carriage to a '67 Mustang convertible — provides a remarkable amount of coverage for as little as a couple of dollars per day. In fact, clients of our collector car insurance partner, Hagerty, tell Hagerty they save an average of 37% when switching.

Get your quote online to find out how much collector car insurance will cost you.

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How can I get the cheapest collector car insurance possible?

The best way to get the cheapest coverage is to shop around. But keep in mind that "cheapest" almost never means "best" when it comes to car insurance, and that's particularly true with collector cars. Many factors could make that "cheap" insurance policy cost much more in the end.

For instance, collector car insurance through Esurance includes guaranteed value coverage for total loss replacement after a covered total loss. That means that if your valuable auto is totaled or stolen, you'll be reimbursed for the value you declared when you purchased your policy with the $0 deductible option. Cheaper policies may not even offer total loss replacement options.

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How to save


What can I do to improve my rate?

The methods you use to lower your car insurance premium also apply to collector car insurance. The best way, of course, is simply to drive safely — the fewer points you have on your driving record, the better.

Your vehicle can impact your rate too. Insurers often view particular models or modifications as slightly riskier. For instance, the modified cars called "tuners" often have performance-enhancing features that can make them more dangerous to drive, and they tend to attract theft and vandalism — which can make these vehicles more expensive to insure.

Finally, our partner considers your vehicle's storage and usage in developing the rate. For example, you'll need to pay extra if you store your car in a carport, or if you need coverage for occasional business use.

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What discounts can I get on my collector car insurance?

Our partner Hagerty offers several discounts that can lower your rate, including:

  • Antitheft devices — homing technology such as LoJack® or other installed devices designed to prevent theft
  • Transfer policy — a first-year bonus discount for transferring your policy from another specialty collector car insurance program to our partner
  • Safe driver — safety is the key to savings when it comes to car insurance
  • Defensive driver courses — driver safety courses for experienced operators

Discounts vary by state, so check with our partner to see what's available.

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I'm in the middle of restoring my collector car, so I don't actually drive it at all. Can I get a lower rate?

Yes. Esurance's partner, Hagerty, offers comprehensive-only coverage that leaves out the personal injury, property damage liability, and collision coverages you'd normally want. This coverage is also available for cars that are part of a museum display or in long-term storage.

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Do you offer liability-only coverage?

No. Given the value of your collector car — historically and monetarily — comprehensive and collision are must-have coverages for your policy.

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Want to know more about saving? Email your question or post it on our Facebook Wall Either way, you'll have your answer in no time.

This page is intended to provide you with general information about collector car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.

Collector car insurance covers:

  • Antique, vintage, and classic vehicles
  • Newer vehicles: limited production, exotic, and special interest vehicles
  • Modified vehicles: street rods, replicas, kit cars, lowriders, and tuners
  • Muscle cars
  • Modern classics
  • Vehicle trailers and street rod trailers
  • Trucks and other utility vehicles
  • Retired commercial vehicles: fire trucks and other commercial vehicles
  • Motorcycles and scooters
  • Motorsports: pro-street and raced vehicles
  • Vehicles under restoration
  • Military vehicles
  • Tractors