Classic Car Insurance

Specialized Coverage for Your Collector Vehicle

That classic car in your garage isn’t just transportation – it’s an investment, a passion, a piece of history. Yet most insurance companies treat your 1969 Camaro, restored Mustang, or vintage Corvette like it’s just an old car with depreciated value.

Protect your investment with true classic car insurance. Our Agreed Value coverage means we lock in your car’s value upfront. If you have a total loss, you receive that full, agreed-upon amount—guaranteed. No depreciation games, just peace of mind.

Flexible Usage Options

Pleasure Driving

Up to 5,000 miles/year

Shows and Events

Covered at car shows, parades, exhibitions

Work Commute

1-2 days per week allowed

Storage Coverage

Reduced rates during restoration or storage

Qualifications for Car Insurance

Generally, vehicles need to be at least 20 years old, though some carriers will cover special interest vehicles as young as 10-15 years. You’ll need to limit your usage, typically under 7,500 miles per year, and store the vehicle securely – preferably in a garage. Insurance companies want to see a clean driving record and that you have a regular daily driver for everyday use. Your classic is for pleasure, not commuting.

Specialized
Protection

Beyond the agreed value coverage, classic car insurance includes specific protection most people don’t know exists. You can get coverage for spare parts – up to $2,000 for those impossible-to-find components. If you’re restoring a vehicle, the coverage can increase as the value grows.

We make sure you have flatbed towing to prevent damage from standard tow trucks. There’s even medical reimbursement specifically for injuries at auto shows. And here’s something unique – your car is covered at shows even when you’re not standing next to it. Many standard policies would deny claims if you weren’t present.

Arizona Classic Car Events We Cover

The Arizona classic car scene is vibrant, and your insurance should cover participation in all of it. Barrett-Jackson Scottsdale, the Goodguys Southwest Nationals, Scottsdale Pavilions Saturday Cruise-Ins, the Tucson Classics Car Show, and the Route 66 Fun Run are all events where your classic should be protected. Many standard policies exclude coverage at these events, but proper classic car insurance embraces your passion.

Arizona's Classic Car Culture

Arizona is one of the premier states in the nation for classic car enthusiasts, and for good reason. The dry desert climate dramatically reduces the risk of rust and corrosion — the enemy of any vintage vehicle. Unlike states in the Midwest or Northeast where road salt and humidity destroy classic cars, Arizona’s arid environment is naturally preserving. This has made the state a hotbed for collector vehicles, with world-class events like the Barrett-Jackson Scottsdale Auction drawing buyers, sellers, and enthusiasts from around the globe every January. Local car clubs, cruise nights, and concours events are active year-round throughout the Phoenix metro and Tucson areas.`

Stop Overpaying for Inadequate Coverage

We believe every Arizona family deserves great protection that fits their budget. As an independent agency, our loyalty is to you, not a single company. We leverage our access to over 40 top-rated carriers to find you better coverage for less money.

Our approach is different because we are a family-owned business. You will never get high-pressure sales tactics or unwanted spam—just honest, straightforward advice. We are committed to building relationships based on trust and a genuine desire to serve our local community.

Switch to TWFG Cota if you're experiencing:

Rate increases without claims

Frustrated by rates that climb even with no claims? Your loyalty shouldn't be penalized.

Confusion about what's covered

Unsure what your policy actually covers? We replace confusing jargon with clear, plain-English explanations.

Difficulty reaching your agent

Stuck in a phone menu when you need help? You deserve prompt, direct access to your agent.

Claims getting denied or underpaid

Worried your claim will be denied or underpaid? We serve as your advocate to ensure a fair settlement.