Classic & Collector Car Insurance in PA & MD
Protecting the Car You've Restored
You've put real time, money, and pride into your classic — restoring it, storing it right, and driving it only when it counts. A standard auto policy isn't built for that. It rates your car like a daily driver and pays out based on depreciated "actual cash value," which can leave you well short of what your car is actually worth after a covered loss. At Kelly Glass Insurance, we build specialty coverage for antique, classic, and collector vehicles for owners across Lebanon, PA and throughout Pennsylvania and Maryland — matched to how you actually use and store your car. It's Focusing on You, and on the car you've worked so hard to protect.
What Can Be Covered
Specialty classic and collector vehicle policies can include:
- Agreed value coverage, so a covered total loss pays the amount you and your carrier agreed on — not a depreciated estimate
- Coverage for antique, classic, and collector cars, trucks, and motorcycles
- Modified collector cars, reproductions, replicas, and restorations
- Coverage for cars actively under restoration
- Spare parts and tools coverage
- Flexible mileage and usage options for shows, cruises, and occasional pleasure driving
- Roadside assistance built for a vehicle you can't just have towed anywhere
Not every collector needs every coverage — that's what a real conversation is for.
Frequently Asked Questions
What makes classic car insurance different from regular auto insurance?
Classic car insurance uses "agreed value" coverage, meaning you and the carrier agree on your car's value up front, and that's what's paid out on a covered total loss. Standard auto policies instead pay actual cash value, which factors in depreciation and can leave you underinsured on a restored or appreciating vehicle.
Does my car qualify as a classic or collector vehicle?
Requirements vary by carrier, but classic and collector policies generally look at the vehicle's age (often 25+ years), how it's used (occasional, not daily driving), and how it's stored (typically a locked garage or enclosed structure). Antique, classic, modified, reproduction, and restoration vehicles can all potentially qualify.
Do I need to keep a separate policy on my daily driver?
In most cases, yes. Classic and collector policies are built around limited, occasional use, so carriers typically expect you to have a regular-use auto policy on the vehicle you drive day to day.
How much does classic car insurance cost?
Cost depends on the vehicle's agreed value, how it's stored, your annual mileage, and your driving history. Because classic car owners typically drive far less than daily drivers, coverage is often more affordable than people expect — the best way to know is a personalized quote.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we're your neighbors on East Cumberland Street in Lebanon, PA.
- "Focusing on You" Reviews: You're a person, not a policy number. As you add to your collection, finish a restoration, or your usage changes, we sit down with you to review your coverage and catch gaps before they become a problem.
- Claims Advocacy: If the unexpected happens, we've got your back. Access our 24/7 Carriers Directory. For additional claims process questions, call us at (717) 272-2242 to talk to an associate.
- Local Knowledge, Regional Reach: Based in Lebanon and serving all of Pennsylvania and Maryland, we know the carriers who genuinely specialize in classic and collector vehicle coverage — not just the ones with the biggest ad budget.
Ready to Get the Right Coverage?
Tell us about your collection and we'll do the shopping for you — comparing top carriers across Pennsylvania and Maryland to find the right fit for your classic or collector vehicle.
- Speak with an associate by calling (717) 272-2242.
- Text message us at (717) 455-3242.
- Get a free insurance review and quote by completing this information request.