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Classic Cars.jfif

Classic & Collector Car Insurance in St. Louis

 

Your classic car isn't a daily driver, and it shouldn't be insured like one. Hashley Insurance Agency helps St. Louis-area collectors protect their vehicles with specialty coverage built around how collector cars are actually owned, stored and driven.

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Why a Standard Auto Policy Falls Short

 

A regular auto policy typically pays actual cash value — what the insurer says the car is worth after depreciation. For a restored or appreciating vehicle, that can be far less than what it would cost to replace. Collector car policies are designed to close that gap.

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What Collector Car Insurance Can Include

  • Agreed value – you and the insurer agree on the car's value up front, so there's no depreciation argument after a total loss.

  • Spare parts coverage – for the parts you keep on hand.

  • Coverage at car shows and events

  • Flexible usage – pleasure driving, club events and shows, rather than daily commuting.

  • Often lower premiums than a standard auto policy, because collector cars are driven less and cared for more.

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Vehicles We Insure

  • Antique and vintage cars

  • Muscle cars and classic trucks

  • Restored and restomod vehicles

  • Modern collectibles and exotics

  • Projects under restoration

  • Collector motorcycles

  • Hot Rods

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Typical Eligibility

 

Requirements vary by carrier, but collector policies commonly ask that the vehicle:

  • Is kept in a secure, enclosed garage

  • Is used for pleasure, not daily transportation

  • Is owned by a driver who also has a regular-use vehicle

  • Is in good or restored condition

Not sure if your car qualifies? Call us — we'll tell you honestly.

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Why Work With a Local Independent Agent?

 

Online-only collector insurers give you one option. As an independent agency in Kirkwood for over 20 years, we compare coverage and help you bundle with your home, auto and umbrella insurance — and you get a local person who answers the phone.

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Classic Car Insurance FAQ

 

What is agreed value coverage?

It's a value you and the insurer agree on when the policy starts. If the car is a total loss, that agreed amount is what's paid, with no deduction for depreciation.

 

Can I drive my classic car to work?

Most collector policies don't allow daily commuting. They're designed for pleasure driving, shows and club events.

 

Does classic car insurance cost more?

Often it costs less than standard auto insurance, because collector vehicles are driven fewer miles and well maintained.

 

Can I insure a car that's being restored?

Many carriers offer coverage for vehicles under restoration. Ask us about your project.

 

Get a Classic Car Insurance Quote

Collector vehicle quotes are handled by phone so we can get the details right. Call 314-569-1440 

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Hashley Insurance Agency · 101 W Argonne Dr, Ste 244, Kirkwood, MO 63122 · Serving St. Louis County, St. Charles County and Jefferson County

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