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COLLECTOR AUTO INSURANCE · GEORGIA

Georgia collector auto insurance with agreed value, not depreciated value.

A classic, antique, or enthusiast vehicle on a daily-driver auto policy is almost always underinsured. Collector auto policies from Hagerty, Grundy, and American Modern write the car at agreed value, charge a fraction of standard auto premium, and actually understand the hobby.

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WHAT'S COVERED

How Georgia collector auto coverage works

Agreed Value

Carrier and owner agree on value up front. Total loss pays the agreed value, not depreciated book. Critical for appreciating cars.

Limited-Use Pricing

Priced on limited mileage (1k to 7.5k miles per year), garaged storage, and pleasure use only. Premium often 30 to 50 percent of standard.

Spare Parts and Tools

Covers spare parts, tools, and automotive collectibles in the garage. Standard auto policies do not include any of this.

Inflation Guard

Most collector policies adjust agreed value annually as the market moves. Avoids underinsurance on appreciating classics.

Agreed Value

Carrier and owner agree on value up front. Total loss pays the agreed value, not depreciated book. Critical for appreciating cars.

Limited-Use Pricing

Priced on limited mileage (1k to 7.5k miles per year), garaged storage, and pleasure use only. Premium often 30 to 50 percent of standard.

Spare Parts and Tools

Covers spare parts, tools, and automotive collectibles in the garage. Standard auto policies do not include any of this.

Inflation Guard

Most collector policies adjust agreed value annually as the market moves. Avoids underinsurance on appreciating classics.

IMPORTANT LIMITATIONS

What collector auto insurance does not cover

Daily driving

Commuting, errands, and routine driving are excluded. Use the collector vehicle as your primary car and the policy can be voided. The spouse must have a separate daily driver.

Unsecured storage

Most carriers require a locked garage or enclosed secure storage. Cars left outdoors or in unlocked storage are either rated up or declined.

Track and timed events

Track days, autocross, and timed events are excluded by default. Some carriers offer track coverage as an add-on or separate policy. Rallies and touring events are usually fine.

Commercial use

Paid display, paid ride-alongs, and commercial filming are excluded. Show-and-shine displays are usually fine; paid work needs a commercial endorsement.

IMPORTANT LIMITATIONS

What collector auto insurance does not cover

Daily driving

Commuting, errands, and routine driving are excluded. Use the collector vehicle as your primary car and the policy can be voided. The spouse must have a separate daily driver.

Unsecured storage

Most carriers require a locked garage or enclosed secure storage. Cars left outdoors or in unlocked storage are either rated up or declined.

Track and timed events

Track days, autocross, and timed events are excluded by default. Some carriers offer track coverage as an add-on or separate policy. Rallies and touring events are usually fine.

Commercial use

Paid display, paid ride-alongs, and commercial filming are excluded. Show-and-shine displays are usually fine; paid work needs a commercial endorsement.

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.

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

Tell us what you collect and how you use it. We will quote Hagerty and Grundy.

Send the vehicle details, agreed value, storage, and estimated annual mileage. We will quote Hagerty, Grundy, and American Modern and recommend the fit for your car and use.

Roughly $300 to $1,000 per year for a typical classic

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