Collector & Classic Car Insurance in Canton, MI
Metro Detroit is the heart of American car culture — and from Woodward Dream Cruise classics to garage-kept muscle cars in Canton and Plymouth, collector vehicles deserve better than a standard auto policy. Our agency writes collector and classic car coverage that protects what your car is actually worth.
Agreed value — not depreciated value
The most important difference in collector car insurance: agreed value coverage. You and the insurer agree on your car's value up front, and that's what a covered total loss pays — no depreciation formulas, no arguing with an adjuster about what a restored '68 is 'worth.'
Built for how classics are used
Collector policies are designed for limited-use vehicles: shows, cruises, weekend drives, and careful storage. Because classics are driven less and cared for more, premiums are often far lower than you'd expect for the value protected.
Protection for the whole collection
One classic or a full garage — we can cover restored originals, muscle cars, hot rods, modified vehicles, and newer collectibles, and make sure your regular auto, home, and umbrella policies line up with the collection.
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Frequently asked questions
What is agreed value coverage?
You and the insurance company agree on your vehicle's value when the policy is written — often supported by photos or an appraisal. If the car is totaled in a covered loss, that agreed amount is what's paid, rather than a depreciated 'actual cash value.'
Can I drive my classic car regularly?
Collector policies are built for limited pleasure use — shows, club events, and occasional drives — which is part of why they cost less. If you drive a classic daily, tell us; we'll find the right way to cover it.
Does my classic need insurance while it's in storage?
Yes — fire, theft, and damage are storage risks too, and many owners keep full coverage year-round precisely because the value is in the vehicle, not the miles. We'll set up coverage that protects it in the garage and on the road.
Coverage cannot be bound or altered via email or this website — please call the office to confirm any change to your policy.