Classic, Exotic & High-Performance Car Insurance
Your vintage, exotic, collectible, or high-performance vehicle needs specialized insurance—not a standard auto policy. If you drive fewer than 5,000 miles a year and keep your vehicle garaged, you may be paying more than necessary for coverage that isn't designed around how you use your car.
What it covers
- Agreed value coverage — you and the insurer agree on the vehicle's value up front, so in a total loss you're paid that amount, not a depreciated "actual cash value"
- Spare parts & modifications — coverage for garage-kept spare parts, upgraded engines, custom paint, and performance modifications that standard policies often exclude
- Roadside assistance built for exotics — flatbed-only towing (no hook-and-chain) to avoid damage during a tow
- Coverage for shows, exhibitions & club events — many standard policies exclude car shows and organized drives; specialty policies are built to include them
- Diminished value protection — coverage for the drop in resale value after a covered repair, which standard policies typically ignore
Who needs it
- Owners of vintage or antique vehicles
- Exotic and supercar owners (Ferrari, Lamborghini, Porsche, McLaren, and similar)
- Muscle car and restomod owners
- High-performance and track-day vehicles
- Collectors with a garage of multiple specialty vehicles (multi-car policies available)
Common eligibility factors
Limited annual mileage (100 to 5,000 miles/year), secure/enclosed storage, and a clean driving record. These usage limits are exactly what keep premiums lower than you'd expect for a car of this value — we'll walk you through what fits your actual driving habits.
Common gaps we see
Your vintage, exotic, collectible, or high-performance vehicle needs specialized insurance—not a standard auto policy. Owners of $150,000+ vehicles can end up paying a higher annual premium on a standard personal auto policy, only to discover after a total loss that the claim is settled based on a depreciated market or "used-car" value—not what the vehicle was actually worth. That difference can mean tens of thousands of dollars. If you drive fewer than 5,000 miles a year and keep your vehicle safely garaged, a specialty policy with agreed-value coverage may provide a better fit. The value is established before a loss occurs, helping ensure you know what your vehicle is insured for when it matters most.
How SureNest helps
We work with specialty carriers built specifically for collector, exotic, and modified vehicles — so the policy reflects what your car is actually worth, and what you actually do with it.