American Collectors Insurance

Protect Your Passion!

American Collectors Insurance offers Collector Car coverage designed around the collector’s lifestyle. By providing broader protection and flexible usage, you can focus on enjoying your classic car and have peace of mind knowing we have you covered. A car as unique as yours deserves insurance coverage that’s just as unique.

As an American Collectors’ customer, you can be sure your collector vehicle has the best coverage available. Your investment will be well-protected by a policy that has been designed specifically for collectors.


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Features include

The collector coverage you want:

  • Agreed Value Coverage– Pays the vehicle’s full insured value (less any deductible) in the event of covered total loss.
  • Flexible Mileage Plans– The days of a one-size-fits-all plan are over. Now you can select the mileage plan that best fits your needs (2,500; 5,000; or even our Unlimited Pleasure use tier). C.A.R.E.
  • Towing & Labor for Collectors (TLC) Plan. A very reasonably priced towing plan designed for collectors.
  • Discounts- All AMAC members get a 5% discount off of the total premium (not available in: CA, FL, HI, MN, NY & TN). Additionally, you may be entitled to receive other discounts for multi-vehicle policies, security and safety features, and for completing certified driving course training.
  • A “Real Person” Guarantee- Say hello to a pleasant, licensed collector specialist 8am to 8pm ET & 8am to 5pm on Saturdays. Say goodbye to confusing phone menus and unbearable waits.
  • Unmatched Claims Service- Our claim reps are friendly, prompt, knowledgeable and honest. If you ever have a claim, we’ll make the process as smooth as possible.

Does my vehicle qualify?

Collector vehicles must:

  • Be an additional collector vehicle and not one of the household’s regular use cars.
  • Be driven on a limited basis, not as a daily driver.
  • Be kept in an enclosed, locked garage (alternate garaging options may be available, e.g. carports within gated communities).

Do I qualify?

In order to qualify for our outstanding protection and affordable rates, drivers must have:

  • At least 10 years of licensed driving experience. We can consider exceptions for those with at least 5 years of driving experience.
  • A good driving record – no more than one moving violation or one at-fault accident within the last 3 years (up to 2 per household).
  • One regular use vehicle for every licensed driver in the household (exceptions may be made for full-time students and retired couples).

We’re also looking for passionate members who surround themselves with other collectible possessions that often mean more to them than a dollar value. From Coins to stamps, Comic books to kaleidoscopes, AMAC members collect almost everything. As an American Collectors’ customer, you can be sure your collectibles have the best coverage available.

Examples of Collectibles that we insure are (but not limited to):

  • Figurines
  • Model Trains
  • Crystal/Glass Collectibles
  • Dolls
  • Toys
  • Coins
  • Gun Collections
  • Auto Memorabilia
  • China & Porcelain
  • Sports Memorabilia

Collectible(s) means bona fide objects of art or rarity which have historic value or artistic merit. The essential feature being that the value of the property is greater than its utility value.

Collections must be privately owned.

Coverage is not available for jewelry, watches, furniture or fine art.

Contact Us


Business Hours Monday – Friday from 8:00 a.m. to 8:00 p.m. EST & Saturdays from 8:00 a.m. to 5:00 p.m. EST

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Program features and availability vary by state and other underwriting criteria may apply. Please contact American Collectors Insurance for additional information.

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