Classic Collectors Insurance by Infinity Review

An auto insurance policy isn’t one size fits all, especially when it comes to classic auto insurance. Antique and classic automobiles are often used and stored differently than regular-use autos. These unique needs demand a specialized policy for collectible vehicles. Classic Collectors Insurance by Infinity has been offering insurance for collectible vehicles for more than 20 years.

Originally, a subsidiary of Great American Insurance, the company joined forces with Infinity Insurance in 2005.

The company is headquartered in Alpharetta, Georgia, with approximately 100 employees. The senior product manager is Terry McMahan and the customer service manager is Joy Lietch. The parent company, Infinity Property and Casualty Corporation is a nonstandard auto insurance carrier licensed in all 50 states that markets its insurance products in Arizona, California, Florida, Texas, Georgia, Nevada, and Pennsylvania. Classic Collectors Insurance has over $1.2 billion in premium written in 42 states.

Financial Strength and Customer Service Ratings

The parent company of Classic Collectors Insurance, Infinity, has very good financial strength ratings from these top insurance rating organizations:

• A.M. Best: A Excellent
• S&P: A Strong
• Moody’s: A2 Excellent

Classic Collectors Insurance by Infinity has been a Better Business Bureau (BBB) accredited business since 2012 and has an “A+” rating.

Car Eligibility Requirements

Cars eligible for coverage must not be valued at less than $5,000 for nonmodified vehicles and $10,000 for modified and exotic vehicles. An appraisal may be required for a vehicle with a value over $50,000. These types of vehicles are eligible for coverage under the Classic Collectors Insurance policy:

• Antiques: Vehicles 25 years of age or older without much deviation from factory-available equipment/accessories are considered antique vehicles. This includes high-performance muscle cars: two-door vehicles with large V8 engines and manufactured in the 1960s and 1970s.
• Modern Classics: Vehicles 15 to 24 years old without much deviation from factory-available equipment/accessories for the model year are considered to be Modern Classic vehicles. Most of these vehicles have two doors. Four-door cars are eligible with underwriter approval.
• Exotics: Vehicles less than 15 years old that are rare or have limited production, with or without modification, have two seats, and are appreciating in value are considered to be Exotics. These vehicles are collectibles and are only occasionally driven for pleasure or exhibitions.
• Street Roads & Modifieds: Vehicles over 20 years or older that are moderately or heavily altered mechanically or cosmetically from original configurations while maintaining the original identity. For trucks/jeeps, photos of the bed must be provided and not show any potential towing, hauling, off-road, or utility use.
• Special Interest: These are trucks, jeeps, military, fire trucks, motorcycles, or farm equipment 27 years or over that are in show-quality condition.
• Kit Cars & Replicars: These vehicles are built from purchased packages. Only vehicles assembled by the manufacturer or a reputable assembly shop are eligible. Assembly credentials may be requested at the underwriter’s discretion.

Ineligible vehicles include those with inoperable chassis or interiors; weathered, wrecked, or stripped chassis or interiors; stripped or useful only for parts; or vehicles with prior damage. There are also some restrictions on vehicle usage. Vehicles should not be used as a regular or commercial use vehicle, to commute to school or work, for competitive sporting events, or as a substitute regular use vehicle or backup transportation.

Policy Plan Options

• Unlimited Mileage Plan: No mileage restrictions, subject to normal usage guidelines.
• 6,000 Mile Plan: Less expensive than the unlimited mileage program, allows 500 miles per month and 6,000 miles annually.
• 1,200 Mile Plan: Less expensive than unlimited mileage plan with an allowance of up to 1,200 miles annually.
• Exotics and Kits: Variable plan options are 1,000, 3,000, and 5,000 miles.

Features

• Agreed Value Coverage
• Drive-to-Work Coverage
• Choose Your Own Repair Shop
• Newly Acquired Vehicle Coverage
• Spare Parts Coverage
• Trip Continuation Coverage
• Full Glass Coverage
• Emergency Roadside Assistance
• Discounts and Driver Club Program

The Bottom Line

Classic Car Insurance by Infinity advertises cheap rates on classic car insurance, fast quotes, and a number of discounts that can save you up to 15% on your policy premium.

 The parent company, Infinity, has very good financial stability ratings. While Infinity does not have the best customer service ratings with the Better Business Bureau, Classic Car Insurance by Infinity has an “A+” rating with the BBB. The policy has several different plan options to fit the unique ways you use your classic vehicle and offers emergency roadside assistance. It is a good option to consider if you are shopping around for the best value on an insurance policy for classic auto insurance.

Contact Information

You can visit the Classic Collectors Insurance website to get a quote, find an agent or learn more about the classic auto insurance options available. For customer service, call 1-800-252-5233.