Frequently Asked Questions About American Collector Insurance
Am I eligible for vintage car insurance?
To be eligible, you must hold a valid driver’s license, be at least 26 years old (or have 6+ years’ experience) and maintain a separate vehicle for daily use. The vehicle must be well maintained, securely stored and used only for pleasure or events and not for commuting.
How many miles can I drive per year under an ACI policy?
ACI offers flexible mileage levels starting at 1,000 miles per year and going up to use of unlimited pleasure options. Most collectors choose the 2,500-mile plan, but options vary by state and policy.
Why is contract value coverage important?
The contracted value ensures that in the event of a covered total loss or theft, you receive the full insured value without depreciation. Unlike standard policies based on market value, ACI policies ensure you’re paid up front, protecting vehicles that often go up in value.
What types of vehicles are eligible for coverage?
ACI covers a wide range of vehicles, including performance cars, antiques, street rods, restomods, motorcycles, trucks, exotic cars and even antique tractors or fire engines. Replicas and kit cars are also considered on a case-by-case basis.
Does American Collectors Insurance offer reimbursement coverage?
yes Vehicles undergoing active restoration can be insured during the process, protecting your investment from start to finish.
How long has American Collectors Insurance been around?
Founded in 1976ACI is over 45 years of experience classic car and collectibles insurance. Their mission is to Embrace, protect and expand the collecting community through specialized products and expert service.
