If you own a classic, antique, collector, or specialty vehicle in Ohio, standard auto insurance may not be the right fit. Collector vehicles are valued, used, and insured differently than daily drivers — which is why specialty collector car coverage exists. Lambert Insurance Group is appointed with Hagerty, a carrier well known in the collector vehicle space.
How Is Classic Car Insurance Different From Regular Auto Insurance?
One of the biggest differences is how the vehicle's value is handled. Standard auto policies typically pay out based on actual cash value, which factors in depreciation. Collector car policies often use an agreed value approach, where you and the insurer agree on the vehicle's value up front. Terms vary by policy and carrier — your agent can walk you through how a specific policy works.
What Vehicles May Qualify?
Eligibility varies by carrier, but collector car policies are often designed for antique and classic cars, vintage vehicles, restored vehicles, certain modern collectibles, and other specialty vehicles. Many collector policies also include considerations around how often and how far the vehicle is driven.
What to Discuss With Your Agent
- How the vehicle's value will be determined under the policy
- Any usage or mileage considerations
- How the vehicle is stored
- Coverage for spare parts or restoration work, if applicable
Who We Serve
We work with collector vehicle owners across Westlake, Mayfield, Avon, Rocky River, Bay Village, and all of Northeast Ohio. If you have a classic or specialty vehicle, call or text us to discuss your options.
Ready to Explore Your Options?
As an independent agency, we shop multiple carriers on your behalf. Call or text us and we'll get back to you promptly.