Classic Car Insurance Minnesota | Collector Vehicle Coverage | Insurance Group™
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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!
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Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.
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When you insure with us you have choices! Quote over 50 top rated insurance companies and choose the coverages you want and need when insuring your assets.
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We quote all of our companies to ensure we are finding you the coverage you want at the best price possible. Our team continues this effort by checking rates at each policy renewal!
Claims Service Team
Our service team is here to help! From start to finish we will guide you through the claims process and keep communications open to service you - our client.
Classic Auto Insurance
Classic cars hold a special place in the hearts of many automobile enthusiasts. Their timeless beauty, historical significance, and rarity make them prized possessions. As an owner of a classic car, it is vital to protect your investment with proper insurance coverage.
Classic auto insurance is a specialized type of insurance coverage designed specifically for vintage or classic vehicles. Unlike regular auto insurance, which typically focuses on the market value of the vehicle, classic auto insurance considers the historical and emotional value of the car. It offers coverage tailored to meet the unique needs of classic car owners, including provisions for agreed value, spare parts, and restoration costs. Classic auto insurance policies generally offer a range of coverages to protect your cherished classic car. These coverages may include:
Agreed Value Coverage: This type of coverage ensures that in the event of a total loss, you will receive the agreed-upon value of the vehicle as stated in the policy.
Comprehensive and Collision Coverage: Similar to regular auto insurance, these coverages protect your classic car against damage caused by accidents, theft, vandalism, or natural disasters.
Liability Coverage: This coverage provides financial protection in case you are found liable for injuries or property damage caused by your classic car.
Spare Parts Coverage: This coverage helps replace stolen or damaged spare parts necessary for the restoration of your classic car.
Understanding the nuances of classic auto insurance coverage is essential for every classic car owner. By familiarizing yourself with these classic auto insurance coverages, you can make informed decisions and protect your valuable investment. Consult with us and discuss your specific needs to ensure comprehensive coverage that aligns with your classic car's requirements. Drive safe and enjoy the timeless beauty of your classic automobile.
Classic Auto Insurance Services
At Insurance Group™, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to enjoy their classic autos with confidence. Our classic auto insurance products can provide additional insurance coverages including:
- Agreed Value Coverage
- Actual Cash Value Coverage
- Comprehensive Coverage
- Collision Coverage
- Liability Coverage
- Medical Payments Coverage
- Uninsured/Underinsured Motorist Coverage
- Spare Parts Coverage
- Roadside Assistance Coverage
- Rental Reimbursement Coverage
- OEM Parts Coverage
- Diminishing Deductible
- Vintage Racing Coverage
- Car Show Coverage
- Spare Parts Coverage
- Laid-Up Coverage
- And more!
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Minnesota's winters mean most classic cars are stored from October through April. Insurance Group™ can help you structure a policy with seasonal use discounts and proper storage coverage — ensuring you're protected year-round while not overpaying for miles you're not driving.
Q: How is agreed value different from actual cash value for classic cars?
A: With agreed value, you and the carrier agree on the car's value when the policy is written, and that's what you receive in a total loss claim — no depreciation. Actual cash value subtracts depreciation, which can be devastating for a restoration project.
Q: Do I need a special license or appraisal for classic car insurance in Minnesota?
A: Most carriers require documentation of the vehicle's condition and value — typically photos and, for high-value vehicles, a formal appraisal. Usage restrictions also apply; classic car policies are not designed for daily commuter use.
Learn More
With countless options and so much jargon to sift through, navigating the world of insurance can be daunting. But fear not! Our team of experts is here to help you learn more about insurance and the multiple companies and products available to you. View our Blog page to read more!
