It's not just any car, so don't get just any insurance
Insurance for your classic car, by people who love them just as much as you do
How does it work?
At Stonewall Insurance Group, we use Agreed Value Coverage to guarantee that your classic or collector car is valued fairly and to your satisfaction. This means that, long before anything unfortunate happens to it, we will negotiate a value with the insurance company. The majority of companies we deal with don’t require an appraisal; instead, they depend on your input (the customer), our years of expertise, and their knowledge of the industry to determine the highest value for your car.
In the event that your car is ever deemed as a total loss, we want to ease the pain by giving you the largest check possible without any delays or constraints.
Start your Classic Car Insurance Quote
Every classic or collector car needs insurance in some way, shape, or form. The best place to start is with a free quote from Stonewall Insurance Group. We’ll compare all of the top insurance companies to get you the best coverage and the best price based on your unique situation.
Other agents might try to cut corners and offer you limited coverage to make your policy seem cheaper, but it might cost you far more in the long run. We take everything about your situation into account, so you know you are getting the best deal around.
Take a few minutes to fill out our form to get a free Collector Car Insurance Quote.
If you are looking for standard car insurance, click here.
Benefits of classic car insurance with Stonewall Insurance Group
We're on your side
Being that we are an independent insurance agency, we are able to work with the top insurance companies without being tied to one. This means that we can shop around to find you the best coverage for the best price. If a better deal comes up later on, we’ll notify you so you never miss out on the best deal for your situation.
The Best Coverage for your classic car
No one knows your car better than you, so we depend on your input, our years of expertise, and the insurance carriers’ industry knowledge to determine the greatest value for you and your ride.
Custom Policies
Everyone uses their classic car a little differently. Whether you plan on driving it across the country, trailering it to car shows, or getting it restored, we can tailor your policy for the specific coverage you need.
Experience you can trust
Besides having 75+ years of combined experience in the insurance industry, we truly love the car world. Our president, Jeff DeMarey, is an avid classic car collector, a judge at some of the most prestigious car shows in the country, a National Director for the Classic Car Club of America, and the founder of the Springfield to Boston Education Foundation, a charity with the goal of getting more kids and young adults interested in classic and collector cars
Service with a smile
Over the years, customer service has gotten worse and worse, especially in the insurance industry. At Stonewall Insurance Group, customer service is our top priority, so we always go the extra mile no matter the size of your policy.
Coverage for more than just classic cars
Although we specialize in classic and collector car insurance, Stonewall Insurance Group also offers coverage for your Home, Auto, Business, Aircraft, Boat, and more! The best part is that when you bundle coverages, you can save a lot of money!
The Best Cars Deserve the Best Coverage
HAGERTY’s #1 Agency in New England, 5th Largest Top Gear Agent
FAQ’s about Classic Car Insurance
1. Are there restrictions or limitations on driving my classic car?
Cars were meant to be driven, and that’s why we want you to drive them! We make sure our policies have no mileage restrictions or mileage limits so you have the freedom and flexibility to drive your collector vehicles as much as you want. Having said that, the Insurance Companies do have one requirement; your classic car cannot be your daily driver. This means you have to have another car registered in your name and don’t use your classic or collector car to commute to work every day.
2. What does classic and collector car insurance cover?
There are two basic pillars of coverage for collector car insurance. Liability coverage offers protection in the event that the owner (you) is held legally responsible for inflicting property or bodily harm while operating the covered collector car. The other pillar is physical damage coverage, which covers something happening to the car itself. This covers things like theft, collision, vandalism, and catastrophes such as floods and fires.
3. Does my car qualify for classic car insurance?
In order to be eligible for collector car insurance, your car must be appreciating in value. This doesn’t mean that the car must be worth millions of dollars, just that its value is rising over time. There is no specific age requirement, so some brand-new cars may still be eligible for a collector car insurance policy.
4. If I bring my classic car out of the country, will I be covered?
Simply put, yes, we have policies put in place that are designed for this very question. If you do bring your car abroad, we can insure it, but we must be informed in advance so that we can arrange the coverage beforehand.
5. How expensive is classic car insurance?
The rates of each policy vary based on the value of the car, where it is stored, and how you intend to use it. Typically, policies cost anywhere between $80-$450 per year, which is far less than standard auto insurance. Here at Stonewall Insurance Group, we have a unique bundling program that allows us to offer discounts based on what you insure with us and your driving history. You can get a free quote by contacting us or using the request a quote form to find out exactly how much yours would cost.
6. How old do I have to be to get classic car insurance?
At Stonewall Insurance Group, young drivers are not a problem! We have policies in place that can insure anyone 18 years old or older for their own classic vehicle policy as long as they have another car in their name that is considered their daily driver.
7. Does my car need to be appraised?
Simply put, no, your car does not need to be appraised in order to receive an accurate valuation; however, if you think it’s necessary, you may request one. Usually, this is the case for heavily modified cars, because the market value does not reflect the true value of the vehicle. If needed, you can check out our list of recommended appraisers by clicking here.
8. How many collector car insurance companies are there?
The insurance companies we usually deal with are Hagerty, American Collectors, JC Taylor, American Modern, Condon & Skelly, Chubb, AIG, and Safeco.
9. Can I get classic car insurance for my daily driver?
A daily driver is a car that you use for your normal commute or errands. Due to the increased risk of how often your daily driver is driven, there are limitations on how the car is used that prevent a daily driver from receiving a collector car insurance policy. So the answer would be no, you cannot get a classic car insurance policy for your daily driver.
10. Does my collector car have to be stored in a secure garage?
No, not necessarily. We have programs available for other storage options as well, including driveways, public parking facilities, and car ports. However, additional security features can help us offer additional discounts.
11. Is Hagerty the best classic car insurance company?
That’s a tough question to answer. At Stonewall Insurance Group, we tailor your insurance programs to the type of classic or collector car(s) that you have and how you intend to use them. We then go and find the best insurance carrier for your situation. Hagerty is a great company that we use for many of our customers, however, for some, we can find a better option for their specific needs.
Have any questions? We're here to help
Contact us today to talk about getting your classic or collector car the coverage it deserves.