Classic & Collector Car Insurance in Alabama
Your classic car isn't just transportation—it's a passion, an investment, and a piece of history. Standard auto insurance doesn't understand that. We work with specialty carriers like Hagerty, Grundy, and American Collectors to protect your vehicle at its true agreed value.
Why can't I just use regular auto insurance for my classic car?
Standard auto insurance pays 'actual cash value'—the depreciated market value of your car. For a regular car, that's fine. But classic cars appreciate in value, and a standard policy would pay you far less than your car is worth. A 1969 Camaro SS worth $85,000 might only get a $15,000 payout from a standard insurer based on 'book value.' Classic car insurance uses agreed value—you and the insurer agree on the car's worth upfront, and that's exactly what you get in a total loss. Plus, classic car insurance is typically 40-60% cheaper because these cars are driven less and maintained better.
Agreed Value vs Standard Auto Insurance
This is the single most important reason to get specialty classic car insurance. The difference in a total loss can be tens of thousands of dollars.
You and the insurer agree on your car's value with documentation (appraisal, photos, receipts). In a total loss, you receive the full agreed amount.
Example: 1970 Chevelle SS 454
Agreed value: $75,000
Annual premium: ~$450
Total loss payout: $75,000
The insurer uses generic valuation tools that don't account for restoration quality, matching numbers, or collector market values.
Example: 1970 Chevelle SS 454
Standard "book value": $12,000
Annual premium: ~$1,100
Total loss payout: $12,000
In this example, the classic car policy costs 60% less AND pays 6x more in a total loss.
Collector Vehicles We Insure
From barn finds to concours-quality restorations, we insure every type of collector vehicle at its true value.
Camaro, Mustang, Chevelle, GTO, Charger, Challenger. America's most collectible cars from the 1960s-70s.
e.g., 1969 Camaro SS, 1970 Mustang Boss 302
Pre-war and early post-war vehicles. Model T, Model A, and other automotive history pieces.
e.g., 1932 Ford, 1957 Chevy Bel Air
Custom-built machines with modern drivetrains in classic bodies. Often one-of-a-kind builds.
e.g., 1932 Ford Highboy, 1940 Willys Coupe
Classic exteriors with modern performance upgrades: fuel injection, disc brakes, A/C, modern suspension.
e.g., Pro-touring Camaro, LS-swapped C10
Vintage pickups and trucks from the 1940s-80s. Growing collector market with strong values.
e.g., 1967 C10, 1979 Ford F-150, Chevy Apache
Limited production and high-performance modern vehicles that are appreciating in value.
e.g., C5 Z06, Dodge Viper, Ford GT
Factory Five, Superformance, Backdraft Racing. Replica Cobras, GT40s, and other iconic designs.
e.g., Shelby Cobra replica, GT40 replica
European sports cars and luxury vehicles from the golden age of motoring.
e.g., Porsche 911, Jaguar E-Type, Mercedes 300SL
WWII Jeeps, deuce-and-a-halfs, and other military surplus vehicles restored for shows and events.
e.g., 1944 Willys MB, M35A2 Deuce
Classic Car Insurance Coverage Options
The cornerstone of classic car insurance. Your car is insured for its full appraised value—no depreciation, no surprises.
Covers your collection of spare parts, engines, transmissions, and body panels stored in your garage or shop.
Guarantees your classic is transported on a flatbed—never dragged by a wheel-lift tow truck that could damage the drivetrain.
Automatically increases your agreed value each year to keep pace with the appreciating collector car market.
Covers your vehicle during transport to and from car shows, club events, parades, and cruise-ins.
Covers your car during the restoration process, protecting your investment as the value increases during the build.
You choose the restoration shop or specialist—not the insurer. Critical for matching paint, chrome, and period-correct parts.
Unlike some standard policies, your classic car is covered even when parked at a show or event without you present.
Covers hotel, meals, and rental car if your classic breaks down more than 100 miles from home during a road trip.
Alabama's Classic Car Scene
Alabama has a thriving classic car community with shows, cruise-ins, and events year-round. Make sure your investment is properly protected wherever you take it.
Barber Vintage Festival
Birmingham. One of the largest vintage motorsports events in the country. Held at Barber Motorsports Park.
Cruisin' the Coast (nearby)
Mississippi Gulf Coast, easy drive from Mobile/Baldwin County. One of the largest car cruises in America.
Hot Rod Power Tour (stop)
Annual multi-state road trip that frequently stops in Alabama. Thousands of hot rods and muscle cars.
Local Cruise-Ins
Weekly and monthly cruise-ins throughout Birmingham, Huntsville, Mobile, and Montgomery. Year-round events.
Talladega Superspeedway Events
Classic car displays and parades during NASCAR race weekends at the iconic Talladega track.
Alabama Auto Show
Annual auto shows in Birmingham and Huntsville featuring classic, custom, and collector vehicles.
Specialty Carriers We Work With
We partner with the top collector car insurance carriers in the country. Each has different strengths—we match you with the right one for your vehicle and driving habits.
Largest collector car insurer. Excellent claims service, valuation tools, and enthusiast community. Best for high-value collections.
Best for: Collections, high-value vehicles, concours cars
No mileage restrictions on many policies. Agreed value with automatic inflation guard. Great for cars you actually drive.
Best for: Drivers, no-mileage-limit needs, flexible usage
Competitive rates for moderate-value classics. Good multi-vehicle discounts. Straightforward policies.
Best for: Budget-conscious collectors, moderate values
Strong in the Southeast market. Flexible usage policies and competitive rates for hot rods and restomods.
Best for: Hot rods, restomods, Southeast collectors
What Affects Your Classic Car Insurance Cost?
- • Higher agreed value ($100,000+)
- • Higher annual mileage allowance
- • No enclosed storage (outdoor parking)
- • Young driver (under 25)
- • No separate daily driver vehicle
- • Accidents or violations on record
- • Track day or racing endorsement
- • Store in enclosed, locked garage
- • Install alarm, GPS tracker, or kill switch
- • Bundle multiple collector vehicles (10-15%)
- • Lower mileage allowance if you drive less
- • Maintain clean driving record
- • Join a car club (some carriers offer discounts)
- • Higher deductible ($500-$1,000)
- • Pay annually instead of monthly
Average Classic Car Insurance Cost by Value
$15,000-$30,000 Value:
$150-$350/year
$13-$29/month
$30,000-$75,000 Value:
$300-$600/year
$25-$50/month
$75,000-$150,000 Value:
$500-$1,200/year
$42-$100/month
Classic car insurance is typically 40-60% cheaper than standard auto insurance. TCDS compares rates from multiple specialty carriers.
100% Satisfaction or Your Money Back
We're so confident in our service that we offer Alabama's ONLY written money-back guarantee. If you don't feel our team exceeds your expectations, we'll gladly refund your unused premium. No hassles, no questions asked.
Ask your current agent: "Why don't YOU offer a written guarantee?"
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