Anyone who collects classic cars realizes there’s a big difference between the vehicles they collect and the ones they drive every day. Yet not all collectors insure their collectibles and everyday vehicles differently, which could potentially leave them at risk if they have a claim. Antique and classic cars have special needs that differ from traditional vehicles. Unlike regular-use vehicles that are on the road every day, antique and classic cars typically are used for limited pleasure driving, car shows and club events.

Special vehicles, special coverage
From classics to modifieds, including muscle cars, exotics, replicars, woodies, kit cars and other types of collectibles, Farmers offers collectible auto insurance packages designed to meet your special needs.

• Multi-vehicle discount — You may be eligible for a discount when you insure more than one collectible car.

•‘Agreed Value’ Coverage — Prior to issuing your policy, we’ll discuss the coverage you want and decide on an “agreed value” for your vehicle. In the event that there is a total loss to your vehicle, the “agreed value” is the amount you will receive without subtracting a deductible.

• No ‘attendance’ clause — Unlike some other collectible auto insurers, we don’t have an attendance requirement. That means you can bring your car to a classic car show and not have to worry about a loss while you’re away from your collectible enjoying the show.

Other specialty coverage
You’ll want to learn all you can about your special car and be certain you understand its potential value so you can be sure you have the type of coverage you want. I can also provide information on other types of specialty insurance, such as policies for boats, RVs, motorcycles and snowmobiles.

Not all products and discounts are available in every state and may vary by state.