Classic Car Insurance  for the Vehicles You Treasure

Black outline drawing of a small car on a white background

Protect your classic with specialized insurance

Standard auto policies are built for daily drivers, not garage-kept classics and show cars. Tate Insurance Group places classic car insurance collectors can trust, matching agreed value coverage to market reality and how you actually use the vehicle.

What makes classic car insurance different

With agreed value, you and the insurer set a confirmed payout amount so a total loss pays what the car is worth, not a depreciated value. Policies are designed for limited pleasure use and club events, often with coverage for restoration work, spare parts, tools, and transport to shows. We help align mileage plans, storage requirements, and driver eligibility with carrier guidelines.

Qualifications for collector car policies

Most carriers look for proper indoor storage, a separate primary vehicle for daily use, limited annual mileage, and a solid driving record. Age thresholds can vary, but many accept true classics, antiques, and special interest vehicles. From a vintage pickup in Powell to a European coupe in Sequoyah Hills, we tailor coverage to each build and its appraisal.

Helpful links for your garage

Owners often bundle classics with the family fleet to capture savings. Ask us about pairing with auto insurance on your daily driver, adding umbrella insurance for higher liability limits, and managing all policies on one account under personal insurance.

Coverage For What You Value

Frequently Asked Questions About Tennessee Classic Car Insurance

  • Can I drive my classic to work sometimes?

    Policies are usually written for pleasure driving, club activities, and shows. Limited occasional use may be allowed, but daily commuting is not the intent.

  • How do we determine the insured value?

    We review market data, build sheets, and appraisals to set an agreed value that reflects the vehicle in its current condition.

  • Is classic car insurance cheaper than a regular auto policy?

    Often yes for qualified vehicles, since usage is limited and storage is controlled.

  • Can I cover a vehicle under restoration?

    Yes. Many carriers offer staged coverage that rises as parts and labor are added.

  • Which vehicles qualify?

    Classics, antiques, hot rods, certain exotics, and special interest vehicles. Tell us about your build and we will confirm eligibility.