Collector Car Insurance — Protect What Your Car Is Actually Worth.
Your collector vehicle is an investment. Standard auto insurance treats it like a used car. Hagerty's agreed value coverage protects what it's truly worth — every dollar, at claim time, guaranteed.
Hagerty — Built for Serious Collectors
Hagerty is the world's largest insurer of collector vehicles, with valuations on over 40,000 models and underwriters who actually know cars. As an authorized agent, Stonecrest keeps you as the Agent of Record.
- Agreed value — insure at true market value, not book
- No depreciation at claim time — ever
- Coverage for vehicles under restoration
- Spare parts and memorabilia coverage
- Modern exotics and investment-grade vehicles welcome
Opens Hagerty's secure quote system. Stonecrest remains your Agent of Record.
Collector Vehicles of Every Era
Collector car coverage isn't limited to vintage vehicles. If the market values it as a collectible, Hagerty can insure it at its true worth.
Exotic Sports Cars
Ferrari, Lamborghini, McLaren, Porsche — high-value exotics that depreciate differently from standard vehicles and deserve specialized agreed value coverage.
Limited Production Vehicles
Low-volume production runs, special editions, and factory performance packages that have appreciated — or held value — above standard depreciation curves.
Investment-Grade Modern Cars
Certain modern vehicles appreciate rather than depreciate — GT500s, GT-Rs, Z06s, limited Porsches. If your car is worth more than you paid, standard insurance isn't adequate.
Vehicles Under Restoration
Project cars, barn finds, and vehicles mid-restoration deserve coverage too. Hagerty covers the vehicle at its current value with the ability to update as restoration progresses.
Race and Track Cars
Purpose-built race vehicles and high-performance track cars that don't fit standard auto underwriting. Hagerty has specialty programs for competition vehicles.
Classic American & Vintage
Looking for classic car coverage specifically? See our dedicated Classic Car Insurance page for muscle cars, vintage trucks, and pre-1980 American vehicles.
Standard Insurance Will Never Pay What Your Collector Is Worth.
Standard auto policies are built around depreciation. Insurers assume vehicles lose value over time — because for most vehicles, they do. Collector vehicles are different. A 2006 Ford GT that was worth $150,000 new may be worth $400,000 or more today. A standard policy would pay actual cash value — which could be a fraction of that.
Agreed value locks in the true insured amount when the policy is written. If your vehicle is totaled or stolen, you receive exactly that amount. No adjuster disputes. No depreciation math. No settlement negotiation.
Three Steps to Proper Collector Coverage
Our Hagerty Express Link makes the process fast — enter your vehicle details, get a real quote, and Stonecrest stays as your local Agent of Record.
Click the Express Link
Our personalized Hagerty link opens their secure quoting system with Stonecrest pre-loaded as your agent of record.
Describe Your Vehicle
Enter your vehicle details, current condition, storage arrangement, usage pattern, and the agreed value you want to insure it for.
Bind Your Coverage
Review your quote and bind online — or call us at (916) 576-4000 and a local agent will walk you through any questions.
Collector Car Insurance — Frequently Asked Questions
What is collector car insurance and how is it different from regular auto insurance?
Collector car insurance is specialized coverage designed for vehicles maintained as investments or collectibles rather than daily transportation. The key difference is agreed value — you and the insurer agree on the vehicle's worth upfront, and that full amount is paid at claim time without depreciation. Standard auto insurance pays "actual cash value," which depreciates your vehicle and almost never reflects what a collectible is worth on the open market.
Do modern cars qualify for collector car insurance?
Yes. Many modern vehicles qualify for collector car insurance, including limited-production vehicles, exotic sports cars, high-performance vehicles, and cars that have appreciated significantly in value. Hagerty insures vehicles of all years as long as they are maintained as collectibles rather than used as primary daily transportation.
How is the agreed value of my collector car determined?
You and Hagerty agree on the insured value when the policy is written, based on current market data, vehicle condition, and documentation such as recent appraisals or auction comparables. Hagerty has the world's most comprehensive collector car valuation database, making this process straightforward for most vehicles. The agreed value can be updated at renewal as market values change.
What happens if my collector car is totaled or stolen?
If your vehicle is declared a total loss or stolen and not recovered, Hagerty pays the full agreed value stated in your policy — no depreciation, no negotiation, no haggling with an adjuster over what the car is "really worth." You receive exactly the amount you agreed to insure it for when the policy was written.
Can I insure a vehicle I am actively restoring?
Yes. Hagerty offers coverage for vehicles under restoration, including protection for the vehicle in its current state and for parts and materials on hand. Coverage can be updated as the vehicle's value increases through the restoration process. Talk to your agent about structuring coverage for a project vehicle.
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