American Modern Collector Car Insurance Broker
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Classic Car Insurance Underwritten by the Carrier You Want – American Modern Collector Care Insurance
Many collectors search directly for American Modern Insurance Group because of their legendary reputation for protecting classic cars. However, American Modern doesn’t sell directly to the public; its specialized policies are only accessible through select independent insurance brokers.
Classic Automobile Insurance is proud to be one of those trusted partners. We have built a longstanding agency partnership with American Modern, a specialty carrier that has focused on classic, antique, and collector vehicles for more than three decades.
Because we are one of the few agency partners granted direct in-house underwriting authority for the vast majority of risks on this program, you don’t have to wait for a middleman. For standard risks, our team reviews your application, establishes your vehicle’s value, and approves your policy directly, though unique or high-value exceptions may still require a quick review from the carrier.
Carrier Highlights: American Modern is an A+ (Superior) rated carrier, backed by the Munich Re Group, licensed in all 50 states, and offers 24/7 roadside assistance across the US and Canada.
An Insurance Carrier Built Around Collector Vehicles
Standard auto insurers depreciate your classic the moment they write the policy. American Modern does the opposite; every policy we place through this partnership starts with a conversation about what your car is actually worth. And because our agency holds underwriting authority on this program, that conversation rarely stalls out waiting on an outside desk.
- Underwriting authority, in-house: We’re one of the few agency partners trusted with direct underwriting authority. For most standard collector risks, the decision on your coverage is made by our own team rather than being routed out to the carrier—meaning quotes, binds, and updates move noticeably faster.
- Agreed value, not book value: You, your agent, and our team settle on your car’s value up front. If there’s ever a total loss, that’s the exact number you’re paid, with zero depreciation debates.
- Flexible mileage plans: Choose from 1,000, 3,000, or 6,000 annual mile plans, so a car that mostly sits in the garage isn’t priced like a daily driver.
- Spare parts and accessories: Custom wheels, extra panels, period-correct trim, and other spare parts stored for your restoration are protected alongside the vehicle itself.
- Roadside and trip coverage: Locksmith service, towing, and flatbed assistance are available around the clock, plus reimbursement for lodging and meals if a breakdown strands you away from home.
How Does Classic Auto Insurance Access American Modern Coverage
Because we hold direct underwriting authority for American Modern’s collector vehicle program, most policies are decided and placed by our own team, not shopped around to generalist carriers or left waiting on outside sign-off.
- Tell us about the car: Year, make, model, modifications, storage, and how you actually drive it.
- Agree on a value: Our team works with you directly to set a fair, accurate agreed value.
- Pick your mileage plan: Choose the plan that matches your driving lifestyle, up to 6,000 miles a year.
- Bind your policy: Because the primary underwriting decision rests with us for standard profiles, your policy binds faster than traditional broker programs. (Note: Highly specialized modifications or multi-million dollar collections may require carrier review).
Insurance Built for Collector Vehicles That Live in the Garage, not the Driveway
American Modern’s program covers a wide range of collector and special-interest vehicles. If your vehicle is stored securely and driven with intention, it likely qualifies:
- Classic and antique cars
- Muscle cars & hot rods
- Exotic and supercar vehicles
- Restorations in progress
- Replicas and kit cars
- Vintage trucks and Jeeps
Common FAQs About Partnering with American Modern Insurance
Can I buy a policy directly from American Modern Insurance Group?
No. American Modern is a specialty insurance carrier that distributes its products exclusively through licensed independent agents and brokers. Classic Automobile Insurance is an authorized agent with the unique advantage of having direct, in-house underwriting authority for its collector car program.
What does it mean that Classic Automobile Insurance has underwriting authority?
With most insurance brokers, the agency takes your information but must send it to the carrier’s desk for review and final approval. We are one of the few select partners trusted with direct underwriting authority. This means our in-house team can review, rate, and approve most standard policies directly, leading to faster quotes and immediate answers. (Certain complex or high-value risks may still require a standard carrier review).
What does “agreed value” actually mean?
It means you and our underwriting team agree on your vehicle’s total value at the time the policy is written. In the event of a covered total loss, you are paid that exact amount, with no depreciation or “book value” deductions applied.
Can I still drive the car, or is this a “garage queen only” policy?
You can absolutely drive it. Mileage plans range from 1,000 miles per year to 6,000 miles per year. Coverage extends to pleasure driving, club events, cruises, and gallery shows.
Does my car need to be stored in a specific way to qualify?
Collector vehicles insured through this program are generally required to be kept in a locked, enclosed structure (like a private garage, residential barn, or specialized storage facility) when not in use. We will walk through your specific storage setup during the quote process.
What states does this coverage apply to?
American Modern is licensed to write coverage in all 50 states, meaning our partnership can protect your vehicle regardless of where you live or where you might relocate.
Get Your Car In Front of an Underwriting Team That Understands Classic Vehicle Insurance
Tell us about your vehicle, and our in-house underwriting team will build your custom quote directly through our American Modern collector car program.
American Modern is a registered trademark of American Modern Insurance Group, Inc. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Policies are written by one or more licensed insurers within American Modern Insurance Group, Inc. Classic Automobile Insurance is an independent agency and is not itself the underwriter of these policies.