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Beyond Standard Coverage For Beyond Standard Autos

American Modern has been in the specialty insurance market since 1965. We’ve taken our knowledge and designed a program to suit even the most dedicated car enthusiast. From the nostalgic to the new, we insure these types of collectible autos and trucks:

Collector Car Classifications
Antiques25 model years and older
Classics20-24 model years
Collectibles15-19 model years
Exotic CarsNewer than 15 years, considered to be appreciating in value
Street RodsMade before 1949, mechanically and/or cosmetically altered
CustomsMade since 1949, mechanically and/or cosmetically altered
Kit CarsBuilt from purchased packages, and assembled by an experienced professional, manufacturer, or dealer

The program highlights spell out how our collector car program goes beyond the standard. 

Collector Car 

The Essentials

Our Collector Car program provides all the standard coverages you expect.

Physical Damage. Collision and comprehensive coverage protects your vehicle in collision with another vehicle or object, and also pays for damage due to fire, theft, wind, hail, vandalism, falling objects, and more.  

Bodily Injury Liability. Pays for injury you cause to others while driving your car.

Property Damage Liability. Pays for damage you cause to the property of others while driving your car.  

Uninsured Motorist. Pays for bodily injury caused to you or family members by an uninsured or underinsured motorist. Some states require that auto insurers provide other coverages, including:

Medical Payments. Pays for necessary medical services resulting from bodily injury sustained by you and named family members, when caused by an auto accident.

Personal Injury Protection (No-Fault). Your own insurance policy is the primary coverage for bodily injury, to yourself or family members, when in an accident involving your car.  

Collector Car

The Extras

Our policy options offer far more than just the basics.

Agreed Value. Your car can be worth more than the depreciated value listed in a price book. We’ll work with you to determine your car’s agreed value, and insure it for that amount.

Spare Parts. If spare parts and accessories for your auto are destroyed or lost, we'll pay up to $500 to help you replace them.

Towing and Labor Costs. We will pay to tow your car to a repair facility. If a professional can fix it where the breakdown occurred, we will pay for the labor.

Mileage Plans. If you like to do a bit more leisure driving than just to the car show, we have plans for 1,000, 3,000 and 6,000 annual miles. Your agent will tell you what plans are accepted for your state and vehicle class.

Safety Glass. With this option, if damage to your windshield requires its replacement, and there is no other damage to your vehicle, we will waive the normal deductible.

Trip Allowance. Take a trip without counting the miles toward your annual mileage limit.

Flat Liability Rate. Pay one premium rate for your liability coverage, regardless of the number of cars on your policy. Not available in all states.

Newly Acquired Automobiles. Add to your collection and our policy automatically covers it for 14 days until you add it to your policy.  

Collector Car 

The Discounts

Save on your premium with discounts for:

  • Car club membership
  • Mature driver accident prevention course
  • Anti-theft devices
  • Passive restraints
  • Anti-lock brakes
  • Defensive driver
  • Good driver
  • Daytime running lights

Discounts vary by state. To make your life a bit easier, we also offer:

Multiple Deductible Options. Talk to your agent to determine the best deductible choice for your circumstances.

Convenient Payment Options. We are happy to take your check or major credit card. For some products our electronic funds transfer (EFT) service deducts your payments from your checking account.  

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