What is Classic Car Insurance?

Street Smart Insurance Solutions has partnered with insurance carriers that offer Guaranteed Value coverage.

This means:

• You tell us the value of your classic car.
• We ensure it’s a fair and accurate number.
• That value is guaranteed to be paid in the event of a covered total loss.

Unlike standard policies that rely on "actual cash value" or "stated value"—which can lead to smaller payouts due to depreciation—our Guaranteed Value coverage ensures you’ll receive the full amount your vehicle is worth.

 We make insuring your classic car simple and stress-free:

• Guaranteed Value: Rest assured your investment is fully protected. 

• Tailored Coverage: Policies designed for the unique needs of classic vehicle owners.

• Expert Support: Over 40 years of combined experience, ensuring you’re always in good hands.

Don’t let standard insurance shortchange your classic car. Trust Street Smart Insurance Solutions to provide the protection and peace of mind you need to enjoy your prized possession to the fullest.

• Higher Value: Classic cars appreciate over time, but standard policies don’t account for this.

• Specialized Needs: Coverage for restoration, spare parts, and shows is rarely included in regular policies.

• Agreed Value vs. Actual Cash Value: With agreed value, your car’s worth is predetermined and guaranteed. Standard insurance often undervalues classic cars.

• Usage Restrictions: Specialized policies offer flexible mileage and use options tailored to collectors, unlike standard auto policies.

A deductible is the amount you pay out of pocket before your insurance kicks in to cover the remaining cost of a claim.

Example:

• If your deductible is $500 and your covered claim is $2,500, you pay $500, and your insurance covers the remaining $2,000.

Choosing a higher deductible may lower your monthly premium, but it means paying more out of pocket for a claim.