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Classic Car Insurance FAQs

What are my antique, collector and classic car insurance coverage options in Florida?

Carpenter Insurance works with top collector car insurance carriers to bring Florida Panhandle classic car enthusiasts and antique car collectors individualized classic car insurance options at the lowest possible price.

Collector Car Insurance Coverage Options

We represent the top classic car insurance carriers to ensure you get the best coverage for your classic at the best possible price!Standard Auto Insurance Coverage – If you are planning on driving your classic car, your coverage package will include Florida required insurance coverage like Personal Injury (PIP) and Property Damage Liability (PDL). You may also wish to include Uninsured/Under Insured Motorist Coverage and Medical Payments.

Click here to learn about all auto insurance coverage options and requirements in the State of Florida. Because you will be driving your vehicle less than your daily driver, the cost of these required options is far less than on standard auto insurance.

Guaranteed Value – You and the insurance company come to an agreed upon value of your classic car and then, in the event of a covered total loss, you receive every cent of your car’s agreed value. No depreciation. No messing around. No hassle.

Comprehensive Only or Storage Coverage – Low cost coverage of your classic car while it is being stored to protect against damage from vandalism, theft, fire, flood and accidental damage not as a result of a collision.

Travelling Collector Coverage – Provides additional coverage while you are travelling to auto shows. Coverage options may include medical reimbursement, trip interruption, accidental death (including pets) and additional coverage for parts, tools & personal effects.

Vehicle Under Construction – You can get guaranteed value coverage for your vehicle while you are restoring it plus automatic increases and parts & tool coverage.

Spare Parts & Tools Coverage – Cover the spare parts you own, whether they are for the covered classic car or not, plus your tools, toolboxes, cabinets & accessories.

Flatbed Roadside Assistance – Upgrade to comprehensive 24/7 full service roadside assistance program for lockouts, battery jumps, tire changes, emergency fuel delivery and more — guaranteeing flatbed towing with soft straps.

Auto Memorabilia Coverage – Coverage for your valuable automotive collectibles which may include any historic or collectible automotive items, such as:

  • Petroliana (gas pumps, station displays)
  • Model cars and other toys
  • License plates
  • Posters and signs
  • Paintings and prints
  • Diner memorabilia (soda shop signs, diner displays)
  • Automotive literature
  • Tractor memorabilia
  • Farm implements
  • Militaria (excluding guns)
  • Hood ornaments
  • Barber shop memorabilia (barber poles, signs).
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