Spare parts coverage
Coverage for spare and replacement parts you keep for the car, on policies that include it.
Collector & classic cars · Texas
Collector car insurance in Texas, with agreed-value options
Fortify360 is an independent Texas agency. Eric shops multiple carriers for collector, classic, and antique vehicles.
Texas only · TDI #3517967 · NPN #22274526
How value works
Agreed value, stated value, and actual cash value
How a policy values your car decides what a covered total loss pays. These three terms sound alike but work differently.
- Agreed value
- You and the insurance company agree on the car's value up front, when the policy is written. If the car is a covered total loss, the policy pays that agreed amount, less any deductible that applies.
- Stated value
- You state a value for the car, but the insurance company may pay the lesser of the stated value or the car's actual cash value at the time of the loss.
- Actual cash value (ACV)
- The cost to replace the car minus depreciation. Many standard auto policies settle physical damage claims this way.
Valuation terms, deductibles, and how value is documented vary by carrier and policy. Eric walks through the policy wording with you before you decide.
Eligibility
Who typically qualifies
Requirements vary by carrier.
- Collectible, classic, antique, or limited-production vehicles
- Pleasure and limited use, such as car shows, club events, and occasional drives, not daily commuting
- Enclosed, locked storage, such as a private garage
- A separate daily-use vehicle for each licensed driver in the household
- Clean driving records for the listed drivers
- Drivers who meet the carrier's minimum age
Coverage
Coverage features to ask about
Availability and limits vary by carrier and policy. All coverage is subject to policy terms.
Flatbed towing and roadside help
Towing on a flatbed and roadside assistance, where the policy offers it.
Car show and club event use
Driving to, from, and at shows, parades, and club events.
Restoration and under-construction coverage
Options for a vehicle that is being restored or built. How value is set during the work depends on the carrier.
Mileage plans
Plans based on your estimated annual miles. The options available depend on the carrier.
Companies we work with for collector vehicles include Hagerty, GEICO, and Foremost.
Before you call
What to have ready
Having these on hand makes the first conversation faster.
- VIN
- Year, make, and model
- Current photos of the car
- Proof of value: an appraisal, receipts for work and parts, or comparable sales
- Where and how the car is stored
- Estimated annual mileage
- Your daily-use vehicles and the drivers in your household
Get a quote
Request a collector car quote
Use the form and mention the year, make, and model. Prefer to talk? Call or text (817) 552-4717.
Tell Eric how he can help
The consultation form loads as you scroll. You can also call (817) 552-4717.
Questions
Collector car insurance questions
Can I drive my collector car to work?
Usually not. Collector car policies are generally written for pleasure and limited use, such as shows, club events, and occasional drives. Commuting, errands, and business use are commonly excluded. The exact use rules depend on the carrier and policy.
Do I need an appraisal?
It depends on the carrier and the car's value. Some carriers accept photos, receipts, or comparable sales to set an agreed value. Others ask for a professional appraisal, especially for higher-value vehicles. Eric can tell you what each carrier asks for before you order one.
Can I insure a car that is under restoration?
Some carriers offer coverage for vehicles being restored or built, and some require the car to be complete and roadworthy. How value is handled during the project varies by carrier. Share the car's condition and your plans, and Eric can check which options fit.
Are modified cars and restomods eligible?
Often, depending on the carrier and the modifications. Carriers may ask for a list of changes and receipts, and may consider documented modifications when setting value. Some modifications can limit eligibility with certain carriers.
How is mileage handled?
Many collector car policies set an annual mileage allowance based on how much you plan to drive. The options, and what happens if you go over, depend on the carrier. An estimate of your yearly miles is enough to start.
Can I insure more than one collector car?
In many cases, yes. Several collector vehicles can often be listed on one policy, each with its own value. Carrier rules on storage and daily-use vehicles still apply.
What if I'm under 25?
Many carriers set a minimum age for drivers of collector vehicles, and the minimum differs from carrier to carrier. Some carriers may list younger drivers with added requirements. Ask Eric which options fit your household.
How do I get started?
Call or text (817) 552-4717, or send the quote request on this page. Share the car's details and how you use and store it, and Eric will follow up to review options with you.