Classic Car

Classic Car Insurance only insures collectible autos. Do you feel a passion for your vehicle? Of course you do! That passion and the ultra-care given to your collectible automobile allows Yellowhammer to offer a very comprehensive coverage package at a surprisingly affordable price. Find out why hundreds of thousands of car enthusiasts have selected Classic Collector Insurance from Yellowhammer Classic to protect their "pride and joy."

Total Protection

  • Our Classic Collectors policy includes the following at no additional charge (coverages vary by state and vehicle type - contact us for additional information):

    • Agreed Value Coverage
      Agreed Value guarantees that in the event of a total loss, we will pay you the full amount of coverage listed on your policy for your vehicle. Depreciation and subjective valuation on your vehicles is eliminated.

      The concept is simple - if your vehicle is insured for $15,000, and it is totaled by a covered peril, you receive $15,000 minus any deductible, if applicable.

      Many insurers sell what is called "Stated Value" policies, which is inferior protection. This coverage states you will receive "up to" the value listed for the vehicle in a total loss, but it does not guarantee the full amount will be paid.

      Note: Agreed Value Coverage is offered in most cases at no extra cost, but there are some states and vehicle types where Stated Value Coverage is offered instead. While offering less coverage than Agreed Value, Stated Value Coverage is better than the alternative ACV Coverage (Actual Cash Value) offered by regular automobile insurance policies. Exotic vehicles are the most common exception.

    • Newly Acquired Vehicle Coverage - up to $75,000 for 30 days
      Still adding cars to your collection? Don't worry. You're covered. A newly acquired vehicle will be covered for the verifiable value or purchase price up to $75,000 for 30 days


    • FREE Spare Parts Coverage
      Spare Parts Coverage on our policy covers, at no additional charge, extra parts of the insured's vehicle, such as a second set of wheels or a hard top roof to a convertible, up to $1,000 when stolen or damaged in an accident. Spare parts covered do not include those parts needed in the event of a vehicle breakdown. Contact us or see your policy for more details.

    • FREE Trip Continuation Coverage
      If your collectible vehicle is disabled due to an accident over 50 miles from the garaging location, we will pay up to $75 per day for lodging and transportation expenses incurred returning to your home address. The maximum payout is $500. Contact us or see your policy for more details.


    • FREE Towing and Labor Coverage
      If for some reason, you are not able to use our Driver Club Program, we will pay up to $100 for towing and labor expenses incurred due a covered disabled vehicle. Contact us or see your policy for more details

Flexible Usage Plans Featuring "Live and Let Drive"

  • Our Classic Collectors polices can offer lower rates than most regular auto insurance because we recognize the care with which our customers treat their collectible vehicles. We can offer even deeper discounted rates if you can tell us more about how much you use your collectible:

    • Unlimited Mileage Plan*
      So your car's not a trailer queen? We understand how much fun it can be to take a trip cross-country. If you didn't buy or build your car just to leave it in the garage, then this is the plan for you. There are no unusual mileage restrictions, just follow the normal usage guidelines.

    • 6,000 Mile Plan*
      If you normally stay a little closer to home, we'll discount your rate below the unlimited mileage plan. With 500 miles a month, you won't need a trailer to haul your baby to as many regional, state and local shows as you want.

    • 1,200 Mile Plan*
      If you own a collection of cars, a trailer queen, or just don't get the chance to drive your collector car as much as you'd like, our 1,200 Mile Plan might be the right fit for you. Our 1,200 mile offers a virtually unbeatable rate in the market.

Drivers Club

  • Our Classic Collectors policy includes the following at no additional charge (coverages vary by state and vehicle type - contact us for additional information):

Expert Handling & Service

  • Our Classic Collectors policy includes the following at no additional charge (coverages vary by state and vehicle type - contact us for additional information):

Competitive Rates

  • Our Classic Collectors policy includes the following at no additional charge (coverages vary by state and vehicle type - contact us for additional information):

Wide Vehicle Acceptance

  • Our Classic Collectors policy includes the following at no additional charge (coverages vary by state and vehicle type - contact us for additional information):

Financial Strength

  • Our Classic Collectors policy includes the following at no additional charge (coverages vary by state and vehicle type - contact us for additional information):

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months to a year.

The six parts of an auto policy
Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.

  1. Bodily Injury Liability
    For injuries the policyholder causes to someone else.
  2. Medical Payments or Personal Injury Protection (PIP)
    For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
  3. Property Damage Liability
    For damage the policyholder caused to someone else's property.
  4. Collision
    For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc.
  5. Comprehensive
    For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
  6. Uninsured Motorist Coverage
    For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

Each state requires that you have certain types of coverages with minimum liability limits. The insurance industry recommends that your bodily injury liability limits be $100,000 per person and $300,000 per occurrence.

*Does not apply to Kits and Exotics. Mileage plans for Kits and Exotics are 1,000, 3,000 and 5,000.