Agreed-Value Protection
The insured value is fixed in the policy, documented with photos and records. A covered total loss pays that number — not a depreciated estimate calculated after the fact.
Agreed-Value Classic Car Insurance
The Value You Agreed On. Guaranteed.
Agreed-value coverage for classics, customs, and collector vehicles — quoted directly by an independent broker, with the payout locked in before a claim ever happens.
Collector Vehicle Coverage
Engineered for Cars That Appreciate.
Classic car insurance replaces the depreciation math of a standard auto policy with an agreed value: you and the carrier document what the vehicle is worth when the policy is written, and a covered total loss pays that figure. Dean Clark places coverage for classics, customs, hot rods, and collector vehicles across the country, matched to how each car is stored, driven, and valued.
Classics & Antiques
Original and restored vehicles kept in collectible condition. Carriers reward garage storage and limited pleasure use with terms a standard auto policy cannot offer.
Customs, Hot Rods & Restomods
Modified vehicles need carriers that insure the build, not just the VIN. Documented modifications and restoration work are priced into the agreed value from day one.
Collections
Multiple vehicles can be scheduled on one policy, each with its own agreed value — one renewal date, one broker, one call when anything changes.
Collector Car Insurance
Drive It Like You Planned To.
Shows, club runs, and weekend drives stay covered. The policy is matched to how you actually use the car — documented once, then done.
Agreed Value vs Standard Auto
Two Policies. One Obvious Winner for a Classic.
A standard auto policy pays actual cash value — the market price of your vehicle minus depreciation, calculated after the loss. A classic car policy pays the agreed value documented when coverage was written. For a restored or appreciating vehicle, the table below shows why that distinction decides everything.
| Feature | Classic Car Policy | Standard Auto Policy |
|---|---|---|
| Total-loss payout | Agreed value — documented up front, paid in full for a covered total loss. | Actual cash value — depreciated market value calculated after the claim. |
| Valuing modifications | Restoration and custom work documented and built into the agreed value. | Aftermarket work often capped or excluded entirely. |
| Usage terms | Pleasure use, shows, and club events; daily commuting excluded. | Unrestricted daily use — priced accordingly. |
| Best fit | Garaged classics, customs, and collector vehicles that hold or gain value. | Daily drivers that depreciate on schedule. |
Classic Car Insurance Questions
Straight Answers on Agreed Value.
Collectors ask five questions before insuring a classic: how agreed value works, which vehicles qualify, how the value gets documented, what driving the policy allows, and why to place it through a broker. Each answer below stands on its own — and a 2-minute call covers anything specific to your car.
Agreed-value coverage locks in your vehicle’s insured value when the policy is written, before any claim. In a covered total loss, the carrier pays that agreed amount — not a depreciated “actual cash value” a standard auto policy would calculate. For a restored or appreciating classic, that difference is the entire reason the policy exists.
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Insure Your Classic
Lock In the Value. Then Enjoy the Car.
Call with the year, make, and story of your vehicle, or request a callback — collector quotes usually come back within 1 business day.