Collectible Auto

Collectible automobiles can be insured through Farmers' Specialty Modified Auto Program.

What is a Modified Auto?

Any automobile that has been modified from its original condition.Street rods, replicars, kit cars and exotic vehicles like muscle cars that are used as hobby vehicles. Eligibility requirements include but are not limited to: minimum vehicle value, minimum operator age, mileage guideline and storage requirements.

Eligible cars:

Whether it's chopped, channeled, lowered, chromed, Frenched or flamed - or it's powered by a flathead, hemi, mouse motor, side oiler, Caddy or an Olds rocket the Modified Auto Program is the perfect fit.

Street Rod - a vehicle manufactured prior to 1949 whose body, chassis, engine suspension or interior has been modified.

Customized/Modified - a vehicle manufactured after 1948, which is at least 20 years old and has been altered from its original condition.

Replicar - a commercially assembled reproduction of any motor vehicle at least 25 years old.

Kit Car - a motor vehicle at least 25 years old consisting of separately manufactured components that are assembled by the purchaser.

Exotic Vehicle - a motor vehicle that is considered to be increasing in value rather than depreciating because of its specific make, model year of manufacture and exceptional physical condition.

Eligibility Requirements:

• Automobiles in this category are primarily used as a hobby vehicle. This includes exhibitions, club activities, parades or other functions of a public interest. Occasional pleasure drives are acceptable.
• Racing is prohibited. As are vehicles with nitrous oxide and roll cages.
• The minimum vehicle value is $3,000.
• All vehicle operators must be at least 25 years of age and should have a good driving record with no more than one moving violation and one at fault accident within the last three years.
• All vehicles must be kept in a locked, fully enclosed garage when not in use.
• The underwriting mileage guideline is 3,500 miles per year, but additional mileage requests are considered.

Features & Benefits

You will enjoy several features and benefits in the Farmers Specialty Modified Auto Program.

Agreed Value

Collectible Autos have a stable market value and usually appreciate over time. To protect the value of your car, we will come up with an "agreed value" to represent the vehicle's current market value. In the event of a total loss, the insured will receive the full agreed value amount less any applicable deductible. The agreed value should be changed on the policy if the market value of the car changes during the policy period. That way the policy is always up-to-date and you know exactly how much you will receive if a claim should occur.

Low Premiums

A collectible vehicle insured under a specialty policy rather than a standard auto policy will save you hundreds of dollars and hassles. You'll be paying less and will reap the rewards of a program designed with the true enthusiast in mind. This program has more features customized specifically for collectible auto owners.

Multi-Vehicle Discount

You receive a discount when you want to insure more than one collectible car.

Expert Claims Service

Our claims staff has the expertise and experience needed to settle claims quickly and fairly. And they strive for excellence in customer satisfaction. Collectible auto experts who understand what makes these vehicles so special will service our customers.

Repair Shop of Choice

You can choose where you prefer to take your car for repairs or parts. Most hobbyists will have a preferred repair shop that they trust or they will make the repairs themselves. Claims adjusters are also available to help locate parts and find experienced restorers and repair shops.

Spare Parts Coverage

Up to $250 in spare parts are covered at no additional cost.

No Attendance Clause

Contrary to other collectible auto insurers, there is no attendance requirement for loss settlement on the policies. That means you can bring your car to a show and not have to worry about a loss while they're walking around and enjoying other displays.