Home base at 261 East Broadway, Monticello
30+ years of combined team experience
Coverage compared across multiple carriers
Ham Lake meetings available by appointment
Classic Cars, Classic Motorcycles, and Classic Boats — One Agency for All of It
Collectors rarely stop at one vehicle. You may have a restored truck, a vintage motorcycle, and a wooden runabout that all need coverage — and coordinating three separate agencies for three separate policies is a problem you shouldn't have to manage.
We write classic car insurance, classic motorcycle insurance, and classic boat insurance, so your entire collection can be reviewed together. That matters when it comes to understanding how each policy interacts, identifying any gaps, and making sure nothing you've worked to build or restore is sitting unprotected.
- Classic and antique cars, including muscle cars, vintage imports, and pre-war vehicles
- Classic motorcycles, including vintage American, British, and European bikes
- Classic and antique boats, including wooden runabouts, vintage fiberglass, and restored watercraft
- Coverage available for vehicles in active show use, occasional pleasure driving, or long-term storage
When you file a claim on a standard auto policy, the insurer pays actual cash value — what a comparable vehicle sells for on the open market, depreciation included. For a classic car, that number rarely reflects what you've put into it, what it took to find it, or what it would cost to replace it. Agreed value coverage works differently: you and the carrier establish the vehicle's value upfront, and that's the amount paid in a covered total loss — no depreciation, no negotiation after the fact.
We compare agreed value classic vehicle coverage across multiple carriers to find the policy that matches how you use, store, and value your vehicle. Eligibility typically involves factors like annual mileage limits, secure storage requirements, and maintaining a separate vehicle for everyday driving — and those requirements vary by carrier, which is exactly why working with an independent agency gives you more options than going directly to a single company.
Insured for What It's Actually Worth
Personal Service for Vehicles That Aren't Just Transportation
A VIN number doesn't tell the story of a car. The years of searching, the restoration work, the history behind it — none of that shows up in a database. We meet with clients in person at our Monticello office so we can understand what you own, how you use it, and what coverage actually makes sense for your situation before we ever run a quote.
That kind of conversation also matters when you own a business. Many of our classic vehicle clients are also business owners who carry commercial insurance, and reviewing both sides of your coverage together — personal and commercial — can surface gaps and redundancies that a single-line review would miss. If you're in that position, we're set up to handle both.
Common Questions About Classic Vehicle Insurance
What is agreed value coverage for classic car insurance?
Agreed value means you and the insurance carrier establish an accepted value for your vehicle at the time the policy is written. If the vehicle is a covered total loss, that agreed amount is paid in full — without depreciation applied. This is different from actual cash value policies, which pay what the market says the vehicle is worth at the time of the claim.Agreed value means you and the insurance carrier establish an accepted value for your vehicle at the time the policy is written. If the vehicle is a covered total loss, that agreed amount is paid in full — without depreciation applied. This is different from actual cash value policies, which pay what the market says the vehicle is worth at the time of the claim.What makes a vehicle eligible for classic car insurance in Minnesota?
Eligibility requirements vary by carrier, but most classic vehicle policies require that the vehicle be used for pleasure, shows, or occasional driving rather than daily commuting; that it be stored in a locked, enclosed structure; and that the owner maintain a separate vehicle for regular use. Age thresholds also vary — some carriers define classic as 25 years or older, others use different criteria.Eligibility requirements vary by carrier, but most classic vehicle policies require that the vehicle be used for pleasure, shows, or occasional driving rather than daily commuting; that it be stored in a locked, enclosed structure; and that the owner maintain a separate vehicle for regular use. Age thresholds also vary — some carriers define classic as 25 years or older, others use different criteria.Can I insure a classic motorcycle and a classic boat on the same policy as my classic car?
In most cases, these are written as separate policies because each vehicle type has its own carrier market and coverage structure. However, working with a single agency means all three are reviewed together, and we can make sure the coverage on each one is consistent with how you actually use it.In most cases, these are written as separate policies because each vehicle type has its own carrier market and coverage structure. However, working with a single agency means all three are reviewed together, and we can make sure the coverage on each one is consistent with how you actually use it.How is classic boat insurance different from a standard watercraft policy?
Standard watercraft policies are designed for current-production boats and typically pay actual cash value on a loss. Classic boat insurance — especially for restored or antique wooden boats — often requires agreed value coverage and a carrier that understands the restoration market, since replacement cost for a classic boat has little relationship to its depreciated market value.Standard watercraft policies are designed for current-production boats and typically pay actual cash value on a loss. Classic boat insurance — especially for restored or antique wooden boats — often requires agreed value coverage and a carrier that understands the restoration market, since replacement cost for a classic boat has little relationship to its depreciated market value.Do I need classic car insurance if my vehicle is only driven a few times a year?
Low mileage alone doesn't make a standard auto policy the right fit. Standard policies are built around daily-use vehicles and depreciation schedules that don't apply to collector vehicles. If your vehicle has appreciated in value or been restored, a classic car policy with agreed value coverage is almost always the better option — and often costs less than you'd expect given how infrequently it's driven.Low mileage alone doesn't make a standard auto policy the right fit. Standard policies are built around daily-use vehicles and depreciation schedules that don't apply to collector vehicles. If your vehicle has appreciated in value or been restored, a classic car policy with agreed value coverage is almost always the better option — and often costs less than you'd expect given how infrequently it's driven.
Talk to Us About Your Collection
Whether you own one classic car or a collection that spans vehicles, decades, and categories, we'll take the time to understand what you have and find coverage that reflects its actual value. Reach out to our Monticello office or request a quote online to get started.
Prefer to talk now? Call us at
(763) 432-2645.
