Classic & Collector Car Insurance in Georgia
Georgia's thriving car culture—from Caffeine and Octane in Atlanta to the Savannah Speed Classic—means your classic car deserves specialty protection. We work with Hagerty, Grundy, and American Collectors to insure your vehicle at its true agreed value.
Why do Georgia classic car owners need specialty insurance?
Standard auto insurance pays depreciated 'actual cash value'—which can be tens of thousands less than your classic car is actually worth. A 1969 Camaro SS worth $85,000 might only get a $15,000 payout from a standard insurer. 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, Georgia's antique vehicle tag exempts you from emissions testing and reduces registration fees. Classic car insurance is typically 40-60% cheaper than standard auto because these cars are driven less and maintained better.
Georgia Classic Car Considerations
Atlanta's Car Culture Scene
Caffeine and Octane in Atlanta is one of the largest monthly car shows in the United States, attracting thousands of vehicles and spectators. The Atlanta Concours d'Elegance showcases world-class collector vehicles. Make sure your car is covered at events.
Verify your policy covers car shows, cruise-ins, and events. Most specialty policies include this automatically.
Georgia's Antique Vehicle Tag
Georgia offers an antique vehicle tag for cars 25+ years old with reduced registration fees and no emissions testing requirement. This tag pairs perfectly with a collector car insurance policy for maximum savings.
Antique tags may have usage restrictions. Verify your tag type matches your intended use.
Georgia Heat & Humidity
Georgia's hot, humid climate can be tough on classic cars. Rust, paint fade, and interior deterioration are accelerated without proper storage. Climate-controlled storage is recommended for high-value vehicles.
Some policies offer storage discounts. Proper storage can also preserve your car's agreed value.
Savannah & Coastal Events
The Savannah Speed Classic and coastal cruise-ins attract classic car enthusiasts from across the Southeast. Driving your classic to coastal events means exposure to salt air, which can accelerate corrosion.
Trip interruption coverage is valuable for long-distance drives to coastal events.
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