Classic Auto Insurance in Arizona — Agreed Value Protection for Your Collector Car
Your classic, antique, or collectible car deserves coverage built for how you actually use it—special occasions, club events, and weekend cruises. As an independent Arizona agency, we help you compare agreed value policies, parts coverage, low-mileage options, and storage requirements so your pride and joy is protected without paying for daily-driver risk.
Coverage Snapshot (What Classic Auto Policies Typically Include)
Classic auto insurance is different from standard personal auto. The focus is on vehicle value preservation, careful storage, and limited use. Below is a quick snapshot—your final policy will be tailored to your car and driving habits.
| Feature | What It Means | Typical Options |
|---|---|---|
| Agreed Value (Guaranteed Value) | Insurer and owner agree on a set value for total loss payout (not ACV). | $10k–$500k+ depending on appraisal and comps |
| Spare Parts | Coverage for rare/valuable spares stored off the vehicle. | $500–$5,000+ limits |
| Original/OEM Parts | Preference for OEM or period-correct components in repairs. | OEM/like-kind endorsement |
| Usage & Mileage | Limited pleasure use; not a daily driver or rideshare. | 1k–5k miles/year tiers |
| Storage | Secure, enclosed garage or approved facility. | Garage/locked building required |
| Roadside & Flatbed Towing | Collector-friendly assistance to avoid damage in transit. | Specialty towing vendors |
| Liability & UM/UIM | Protects you if you injure others; UM/UIM covers you from underinsured drivers. | State minimums up to high limits |
| Comprehensive & Collision | Physical damage with agreed value settlement. | Low deductibles available |
| Laid-Up Coverage | Reduced premium when the vehicle is not driven for a season. | Storage-only periods |
Notes: Actual availability varies by carrier and vehicle profile. We’ll match features to your goals.
Eligibility & Vehicle Types We Commonly Insure
- Antique & Classic Cars: typically 20–25+ years old, restored or well-preserved.
- Muscle & Hot Rods: period-correct or tastefully modified performance builds.
- Exotics & Supercars: limited production vehicles with collector demand.
- Kit & Replica Cars: Cobra replicas, continuation models, and period tributes.
- Vintage Trucks & 4x4s: Broncos, Land Cruisers, C10s, Jeeps.
- Limited-Use Modern Collectibles: special trims and anniversary editions with low mileage.
What Affects Cost in Arizona
Premiums for classic auto policies are often lower than standard auto for comparable values, because usage and risk are lower. Your rate is influenced by:
- Agreed Value amount: higher value = higher premium but predictable total-loss payout.
- Storage quality: enclosed/secured garages reduce risk in Phoenix/Tucson heat and monsoon seasons.
- Mileage & use: annual mileage tiers and pleasure-only use keep costs down.
- Driver profile: MVR/claims history and multi-policy discounts.
- Location: theft/weather exposure varies across the Valley and Southern Arizona.
- Deductibles: choosing higher deductibles can lower premium.
Discounts & Ways to Save
- Multi-car or collection: better pricing for multiple classics.
- Anti-theft/garaging: alarms, trackers, and enclosed storage.
- Club membership: recognized owners’ clubs and events.
- Bundle & loyalty: bundle with homeowners/umbrella where eligible.
Claims & Documentation (Keep These Handy)
If a claim happens, agreed value helps avoid valuation disputes. To streamline the process, keep:
- Clear photos (exterior, interior, engine bay, undercarriage).
- Appraisals, restoration receipts, and parts invoices.
- Secure storage proof and anti-theft details.
- Maintenance log and mileage records.
Arizona City Tips
Phoenix & Scottsdale
High heat and summer monsoons—prioritize enclosed, climate-aware storage and hail/wind protections.
Tucson
Dust and sun exposure—covers and sealed garages help; watch event mileage limits during cruise nights.
Mesa, Chandler & Gilbert
Growing collector communities; consider OEM/period-correct parts endorsements for restorations.
Glendale & Peoria
Secure storage and anti-theft discounts can be significant; ask about multi-car collection pricing.
Classic Auto Insurance FAQs (Arizona)
What’s the difference between agreed value and actual cash value?
Agreed value pays the amount we agree on up front if the car is totaled. ACV subtracts depreciation and market swings. Collectors typically prefer agreed value for certainty.
Can I drive my classic daily?
Classic policies are priced for limited pleasure use—shows, weekend drives, club events—not commuting or rideshare. If you need daily use, ask about a standard auto policy for that purpose.
Do I need an appraisal?
Not always, but for higher values or heavily modified builds, an appraisal helps set the right agreed value and avoids disputes later.
Is roadside assistance different for collector cars?
Yes—carriers often include flatbed towing and specialty vendors to reduce damage risk during transport.
What storage is required in Arizona?
Most carriers require secure, enclosed storage (locked garage or facility). It also protects the vehicle from Arizona heat, dust, and monsoon storms.
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Licensed insurance producer (NPR/NPN 16944666). Availability, discounts, and features vary by carrier and underwriting. This page provides general information and is not a policy.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent