Coverage & Eligibility
Why is your premium lower than my regular insurance?
Because collector cars aren't daily beaters. They’re weekend warriors, garage queens, and Sunday cruisers. Less time on the road = lower risk = better rates. Simple as that.
Do NCM members get a discount?
Absolutely! Being part of the club pays off—NCM members and most national car club members can score a discount in eligible states.
What kind of rides qualify?
We cover vehicles that are stored like treasures and driven like they matter—locked garages or enclosed carports only (carports need approval prior to issuance). No grocery-getters or errand runners. Track days like autocross, drag, and HPDE aren’t covered, but we do offer a HPDE policy by clicking on Products and then HPDE Insurance.
Who can get behind the wheel?
Every driver in the household must:
Be listed on the policy (or officially excluded)
Have at least 10 years behind the wheel
Own a modern, daily-use ride (within 15 years old) with matching liability limits
And if there’s a history of DUIs, street racing, or multiple accidents—we’ll need to pump the brakes. (Rules vary by state.)
Coverage Related Questions
Agreed Value vs. Stated vs. Actual Cash—what’s the deal?
Agreed Value: We shake hands on the car’s value upfront—no surprises at claim time.
Stated Value: A ballpark number, but subject to depreciation.
Actual Cash Value: Just like Kelley Blue Book—often under valuing what your car’s really worth.
We roll only with Agreed Value, so you know what you’ll get if the worst happens.
Do I get spare parts coverage?
Of course! Every policy includes spare parts coverage for spare parts and tools. Need more than the included coverage? Just let us know.
What if my ride breaks down on a road trip?
If you're more than 90 miles from home and something goes sideways, we’ll help cover meals, lodging, and transportation. Because even classics need a pit crew sometimes.
Can I adjust my deductible?
You’ve got range—from $0 to $10,000. Most folks pick $500 or $1,000, but higher deductibles can shift your premium into a lower gear.
Storage & Use
Do I have to keep it in a garage?
Locked garages are the gold standard—but we’ll consider a quality carport with at least two solid sides or secured indoor storage. No apartment/condo garages, and street parking is a no-go. Want full protection? Tuck her in at night.
Can I swing by the store in it?
If it’s part of a cruise or a scenic drive—go for it. But if you’re heading out just for errands, that crosses into daily-driver territory. On all policies issued since 2021, unless specifically removed, include the flexibility to occasionally drive your vehicle to show off at the office.
Can I take it to the track?
Not under standard collector coverage. Whether it’s autocross or open lapping—if tires are squealing under a timer, it’s not covered. We do offer HPDE (High Performance Driver Education Event) by clicking Products above and selecting HPDE Coverage.
Vehicle Categories
What’s an “Antique”?
Pre-1949. Think flatheads, suicide doors, and fender skirts.
What qualifies as “Classic”?
Built from 1950 to 1984. C3 Vettes, square-body trucks, early Mustangs—all in this sweet spot.
What’s “Exotic”?
Corvette Z06s and ZR1s, Vipers, Lambos, Ferraris, Ford GTs—you get the idea. Basically, cars that make you nervous when a valet is at the wheel.
What’s a “Collectible”?
1985 to present, and it’s gotta be special. Think final-year models, low-production runs, future classics.
Do you cover kit cars or replicas?
If it’s a clean Cobra replica or a resto-mod built right—yes. Homemade sand rails or Frankenstein builds without VINs? Probably not.
Policy Nuts & Bolts
Where do I get ID cards?
Click Manage Your Policy on our website, login to the Glovebox App, shoot us an email, or give us a call at 877‑678‑7626. We’ll get ‘em to you faster than a pit stop.
What do you need from me after I sign up?
We’ll need:
Signed apps and forms (on most policies).
Easy stuff.
How do I pick my Bodily Injury and UM/UIM limits?
Just match what you carry on your everyday car. Keeps things simple and in sync across all your coverage.