Get the right coverage for your classic car with TWFG Insurance - (409) 729-2000 serving Beaumont, Port Arthur, Nederland, Port Neches, Groves, and Bridge City Texas. Quotes through:
  • American Collectors
  • Hagerty
  • American Modern
  • Grundy

Collector Car Insurance

TWFG Insurance can help you find the right coverage for your classic and collector car. Providing you with the special insurance that includes agreed value loss settlement for antique, classic, and vintage cars. Also modified collector cars, reproductions, replicas, restorations, and modern classic cars.

A car can be worth more than the depreciated value listed in a price book. Once we agree on a value for your prized possession, that’s what you’ll get in the event of a total loss. There’s no depreciation or questions. TWFG Insurance  will shop with several companies for the best coverage at the best price.

Please contact us directly for a quote:
Call: (409) 729-2000

Classic / Collector Car Quote



    Classic Car Insurance Coverage

    Property Damage Coverage

    Property-damage liability pays to repair or replace property that you destroy. This includes other cars or property, such as fences. If hit a $60,000 car and total it, and have an $50,000 isurance limit. You're responsible for the remaining $10,000 and could be sued for it. Liability insurance has no deductible.

    Bodily Injury Coverage

    Bodily Injury is written as two numbers such as 50/100. That would Translates to $50,000 coverage per person, $50,000 per accident. Bodily-injury liability will pay for others’ medical bills and lost wages when an accident is your fault. It also pays for your legal bills if you are sued.

    Personal Injury Protection (PIP) Coverage

    PIP coverage pays for medical expenses and lost wages irregardless of other insurance. It pays for you and your passengers who are injured in or around a vehicle whether it's your vehicle or someone elses. Personal injury protection insurance is similar to medical payments coverage but with an important difference. PIP covers other expenses such as lost wages, rehabilitation services, and funeral costs.

    Medical Payments (MedPay) Coverage

    Medical payment (MedPay) covers medical bills for you, your family and others riding in your vehicle in case of an accident, regardless of who's at fault. Your medical payments coverage moves with you (walking, riding with a friend or on public transportation) as well as with your insured vehicles, regardless of who's driving. There is no deductible or co-pay but does cordinates with your health insurance..

    Collision Coverage

    Collision coverage pays to repair your own vehicle in the event something collides with you. Your claim will be reduced by the amount of your collision deductible. Your car is considered "totaled" when the repair costs exceed a certain threshold of the car's value, such as 70 percent. Your lender will require this coverage until you have paid for your car in full.

    Comprehensive (other than collision) Coverage

    Comprehensive pays the cost of replacing or repairing your car if it’s stolen or damaged by fire, vandalism, hail, falling objects, or an event other than a collision. Your policy won't pay to replace a stolen car unless you report the theft to police. Payment is limited to your car's actual cash value, minus your deductible.

    Nationwide roadside assistance

    Flatbed towing, flat tire assistance, lockout assistance, fuel delivery

    Uninsured / Underinsured Motorist Coverage

    Uninsured motorist insurance protects you, your passengers and your car in the event of injury or damage when an at-fault driver has no auto insurance. Underinsured motorist insurance covers injuries sustained at the hands of a driver who has insurance, but the driver’s policy is insufficient to pay for all your medical expenses.

    • Classic Car Coverage
    • Agreed Value loss settlement
    • Mileage plans - 1,000 - 3,000 - 6,000 - unlimited
    • Spare parts coverage
    • Deductible options - $0 to $10,000
    • Trip interruption - lodging and expenses

    What is "agreed value"?

    Before the policy activates, you as the car’s owner, the agent, and our underwriters agree on the car’s value and insure it for that amount. In the event of a total loss, that agreed upon value is the payout amount. The deductible of course applies, but there is no depreciation and no misunderstanding.

    Why is "agreed value" coverage better than "stated value"?

    Some specialty auto policies, and a typical daily-use auto policy, offer stated value coverage. It’s not the same. In fact, it is really just actual cash value coverage with a maximum limit – the stated value – and the carrier pays the vehicle’s market value which it determines after the loss. If the market value has dropped since the policy was purchased, then that lower dollar amount is the payout.

    Can I get an discount for being part of a car club?

    Yes. Car club membership in a approved club will give you a 10% discount.


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