Classic Car Insurance

Protect the Value of Your Classic Vehicle

Insurance Designed for Collector Vehicles

Classic cars are more than transportation—they are investments, passions, and pieces of history. Whether you own a restored vintage vehicle, a classic muscle car, or a limited-production collectible, standard auto insurance often falls short of providing the protection your vehicle truly needs. At DRD Insurance, we specialize in classic car insurance designed specifically for collector vehicles, offering coverage that reflects their true value and unique usage. Unlike traditional auto policies that rely on depreciated market value, classic car insurance focuses on agreed value protection, ensuring you are compensated fairly in the event of a covered loss. Our team works closely with collectors to understand how their vehicles are stored, maintained, and driven so we can match each policy to real-world use. From weekend cruises and car shows to limited pleasure driving, we help you secure coverage that aligns with your lifestyle while preserving the long-term value of your vehicle. As an independent insurance agency, DRD Insurance partners with specialty carriers known for insuring classic and collector cars, allowing us to compare coverage options, deductibles, and pricing. We take the time to explain policy requirements, storage guidelines, and eligibility criteria so you know exactly what is expected and how your vehicle is protected. Whether you are insuring your first classic car or managing a growing collection, DRD Insurance provides knowledgeable guidance and reliable service built around protecting what you’ve worked hard to restore and preserve.

Specialized Coverage for Cars That Deserve More

Agreed Value Protection

Agreed value coverage ensures your classic car is insured for a predetermined amount based on its true value, not depreciation. In the event of a total loss, you receive the full agreed amount without disputes over market pricing.

Limited-Use Driving Coverage

Classic car insurance accounts for how collector vehicles are actually driven, offering coverage for pleasure use, club events, and exhibitions without treating the vehicle like a daily commuter car.

Secure Storage and Preservation

Policies are tailored to vehicles that are properly stored and maintained, helping protect classic cars from theft, damage, and environmental risks while supporting long-term preservation.

Coverage That Reflects How You Drive

At DRD Insurance, we understand that classic car owners have different priorities than everyday drivers. Our approach starts with listening—learning the story behind your vehicle, how it is used, and what it represents to you. We then work with specialized insurance carriers that focus exclusively on classic and collector vehicles, allowing us to offer coverage options that standard auto insurance providers simply cannot match. Because we are independent, we are not limited to one insurer’s definition of value or usage, which gives our clients flexibility and choice. Our team explains agreed value policies, eligibility requirements, mileage limits, and storage expectations in clear terms so there are no surprises. When questions arise, you work directly with knowledgeable agents who understand collector vehicles, not a generic call center. If you ever need to file a claim, we help guide you through the process and advocate for proper valuation and repairs. Over time, we review your policy as restoration work is completed or vehicle values change, ensuring coverage remains accurate. This long-term, hands-on approach is why collectors trust DRD Insurance to protect vehicles that cannot be easily replaced. We don’t just insure classic cars—we help preserve them.