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COLLECTOR AUTO INSURANCE · GEORGIA

Collector and classic car insurance in Georgia.

A standard auto policy pays actual cash value which accounts for depreciation. For a 1967 Mustang or a low-mileage exotic that has appreciated, actual cash value is wrong. Collector car insurance uses agreed value so you know exactly what you will recover if the car is totaled.

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WHAT'S COVERED

What collector auto insurance covers

Agreed Value Coverage

Pays the full agreed value if your vehicle is totaled, no depreciation deducted. You and the insurer agree on value at policy inception.

Show and Transit Coverage

Covers damage caused while driving to shows, meets, and events. Some carriers allow limited pleasure driving without mileage caps.

Spare Parts and Memorabilia

Covers spare parts, memorabilia, and unattached accessories specific to the vehicle.

IMPORTANT LIMITATIONS

What collector auto insurance does not cover

Daily commuting and high-mileage use

Collector policies typically exclude daily commuting and require limited annual mileage. Using the vehicle as a daily driver can void coverage.

Racing and track use

Racing events, autocross, and competitive driving are excluded. Separate track day coverage exists.

Undisclosed modifications

Modifications not disclosed at policy inception may not be covered.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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GET STARTED

Have a classic or collector vehicle? Get coverage that matches its actual value.

Collector car insurance is not the same as standard auto. Send us the details on your vehicle and we will find a carrier that understands what it is actually worth.

$300 to $1,200 per year depending on vehicle value and usage

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