American Collectors Insurance Review

Are you a collector of classic cars, antique toys, or rare coins? If so, you know that your collection is more than just a hobby – it’s an investment. That’s why it’s important to protect your treasures with the right insurance policy.

Enter American Collectors Insurance – a company that specializes in providing coverage for collectors of all kinds. But what exactly does this insurance provider offer? And is it worth the cost? In this review, we’ll take a closer look at American Collectors Insurance and help you decide if it’s the right choice for your collection.

What is American Collectors Insurance?

American Collectors Insurance is a company that provides insurance coverage for collectors of all kinds. Whether you collect classic cars, antique toys, or rare coins, American Collectors Insurance has policies to protect your investments. They understand that these collections are more than just hobbies – they’re passions.

What sets American Collectors Insurance apart from other insurance providers is their specialization in collectibles. Their team consists of experts who understand the unique risks and challenges associated with collecting valuable items. This means that they can create customized policies tailored to meet the specific needs of each collector.

In addition to providing coverage for physical loss or damage, American Collectors Insurance also offers liability protection and emergency roadside assistance for classic car owners. They even have a Claims Concierge service to guide customers through the claims process.

If you’re a serious collector looking for comprehensive protection for your prized possessions, American Collectors Insurance may be worth considering.

What Services Does American Collectors Insurance Offer?

American Collectors Insurance offers a variety of services to cater to the needs of classic car collectors. Their primary service is providing insurance coverage for vintage cars, motorcycles, and other collectible vehicles. They provide agreed value coverage which means that in case of any total loss or theft, the collector will get the full insured amount without any deductions based on depreciation.

Apart from insurance coverage, American Collectors Insurance also provides several additional services such as roadside assistance, spare parts coverage, and automatic inflation guard protection. These services come in handy when dealing with vintage cars that are difficult to maintain and repair.

Another notable service offered by American Collectors Insurance is their online valuation tool called “The Value Your Car” feature. This allows customers to assess the actual worth of their vehicle before purchasing an insurance policy. The tool takes into account factors such as make and model year, condition rating, mileage history and restoration records.

American Collectors Insurance has a range of comprehensive services aimed at protecting classic car owners financially while giving them peace of mind knowing their cherished possessions are covered by experts who understand the unique challenges associated with collecting old vehicles.

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How Much Does American Collectors Insurance Cost?

American Collectors Insurance provides a variety of coverage options for classic cars, motorcycles, and other collectible vehicles. The cost of insuring your vehicle with American Collectors Insurance will depend on several factors such as the make and model of the vehicle, its age, and the level of coverage you require.

When obtaining a quote from American Collectors Insurance, they take into account factors such as your driving history and where you live. They also offer discounts for things like multiple vehicles or if you store your vehicle in a secure location.

Policies with American Collectors Insurance are flexible based on usage needs. This allows policyholders to save money by paying only for when their car is in use. Coverage can be purchased on an annual basis or seasonally depending on how much time drivers plan to spend behind the wheel.

While it’s difficult to give a specific price range without providing more information about your specific situation, American Collector’s insurance policies typically start around $100 per year and can go up from there based on individual circumstances including higher levels of liability coverage or customized plans that include emergency roadside assistance services at an additional fee.

Despite being somewhat pricier than standard auto insurance policies due to the unique nature of insuring classic cars and other collector vehicles – many customers agree that it’s worth it because they get specialized protection tailored specifically to fit their needs.

Pros and Cons of American Collectors Insurance

American Collectors Insurance offers unique and specialized coverage for collectors of all types, making it a popular choice among enthusiasts. However, like any insurance provider, there are both pros and cons to consider before choosing American Collectors Insurance.

One of the main advantages is their expertise in collector car insurance. They offer customizable policies that take into account the rarity and value of your vehicle while also providing roadside assistance. In addition, they provide coverage options for other collectibles such as classic motorcycles or vintage boats.

Another pro is their dedicated team of agents who specialize in collector insurance. Their knowledge allows them to work with clients on an individual level to create policies that meet specific needs and requirements.

On the downside, American Collectors Insurance may not be the most affordable option out there for collectors on a budget. Additionally, some customers have reported slow claims processing times which can be frustrating when you need quick resolution.

If you’re looking for tailored coverage from experts who understand your passion for collecting but don’t mind paying a bit more then American Collectors Insurance could be a great fit!

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Is American Collectors Insurance Right for You?

When it comes to deciding whether American Collectors Insurance is the right choice for you, there are a few factors to consider.

Firstly, if you own a classic or collectible vehicle that holds significant sentimental and monetary value, insuring it with American Collectors Insurance could provide peace of mind knowing that your vehicle is protected in case of an accident or theft.

Secondly, if you frequently participate in car shows and events where your vehicle will be on display or transported via trailer, their coverage options include protection during transport and physical damage at car shows.

Thirdly, American Collectors Insurance offers customizable policies tailored to fit each individual’s unique needs. This means policyholders can add additional coverage such as spare parts coverage, restoration reimbursement coverage and more.

However, it’s important to note that the cost of premiums may be higher compared to standard auto insurance providers due to the specialized nature of their services. Therefore it’s best advised for collectors who have invested heavily into their vehicles. Ultimately making the decision on whether American Collectors Insurance is right for you depends on your unique needs as a collector car owner.


After considering all the points mentioned in this review, it is clear that American Collectors Insurance is an excellent option for anyone who is passionate about collecting and wants to protect their investment.

Their policy options are comprehensive, their premiums are competitive, and they have a solid reputation in the industry. Furthermore, their customer service team has received high praise from many satisfied customers.

However, as with any insurance company, there may be some downsides to consider. Some collectors may find the limitations on mileage or storage restrictive, while others may prefer more customizable coverage options.

Ultimately, whether or not American Collectors Insurance is right for you will depend on your individual needs and circumstances. It’s essential to evaluate your collection carefully and research multiple insurance providers before making a final decision.

We highly recommend giving American Collectors Insurance serious consideration if you’re looking for quality coverage from a reputable provider that genuinely cares about its customers’ collections.