Scottsdale classic and collector car insurance
Agreed value, limited use, and real storage — not a daily-driver ACV policy.
A collector car is not “the extra vehicle on the household auto policy.” Daily-driver auto is actual cash value, commute use, and a VIN that can go to the grocery store. Classic and collector coverage is usually agreed value, limited mileage, stated storage, and a car that is not the Tuesday commute down Scottsdale Road. If you want the number on the declarations to be the number at total loss, say agreed value out loud.
Agreed value is the point
Actual cash value pays what the car is worth after depreciation and the market the adjuster uses. Agreed value is the amount you and the carrier set when the policy is bound — typically with photos, a value statement, and sometimes an appraisal. That is why collector programs exist. We will not invent a value for your 1960s car on this page. You bring the documentation. We shop the form.
Use has to match. Club events and weekend drives are one story. A daily driver, a car that lives on the street, or a vehicle you have not told us is modified is another. Mileage caps are normal. So is a locked garage. A car that is really a regular auto file belongs on the Scottsdale auto guide, not a collector program.
- Year, make, model, VIN, and how you use it
- Annual miles and whether it is trailered to events
- Storage: garage, shop, or a building we need to talk about
- Modifications, reproduction parts, and lienholder
- The rest of the household — collectors often need the umbrella to sit over the toy
- Other toys: see the motorcycle and recreational guide
How we place collector cars
We are a Farmers agency. Colby Neal is a third-generation Farmers agent. Farmers first when a collector or specialty chassis exists for the car. When the preferred auto form is the wrong tool, Foremost and J.C. Taylor are the agreed-value names we actually use in this conversation. Other Kraft Lake markets — Progressive, National General, Mercury, Liberty Mutual, Travelers, Branch, Stillwater, Pacific Specialty, Steadily — may fit depending on the car and the driver file. We will say which path we are on.
Bristol West is more of a regular-auto market for some driving records. It is not a substitute for agreed-value collector coverage. We will not pretend it is.
Amanda, Dani, and Jordan can take photos and a value sheet. English, Portuguese, and Spanish. Licensed AZ, CA, OK, TX — useful if the car summers in another of those states. 10601 N Hayden Rd, Ste 112, Scottsdale, AZ 85260.
What to have on the call
- Photos, mileage, and the value you want to discuss
- Where it is stored and who drives it
- Current insurance or a lapse
- Household auto and home if you want limits lined up for an umbrella
Call or text (480) 860-0860. Tell us it is a collector car and whether it is a weekend car or something you drive to work. For regular household autos, use the auto guide. For bikes and other garage units, use the rec guide.
FAQ
Will my regular auto policy pay agreed value on a classic?
Usually no. Auto is typically ACV. Collector programs are how agreed value gets on the page.
Do I have to keep it in a garage?
Storage is underwritten. Street parking and a daily commute are how collector programs die. Call (480) 860-0860 with the facts.
Do you only write Farmers?
Farmers first. Foremost, J.C. Taylor, and other Kraft Lake markets when the preferred form cannot do agreed value.
What we will not do on a collector file
We will not list a club value we have not seen. We will not call a daily driver a “show car” to force a program. We will not hide a teenage operator or a car that lives on the street. Collector underwriters read mileage, storage, and the rest of the household. If the car is really the commute, it belongs with the other vehicles on the vehicle hub.
Photos matter. So does a locked garage and a stated annual mileage you can live with. If you trail the car to auctions or out-of-state club events, say the radius. Licensed in AZ, CA, OK, and TX means we can often keep a California or Texas garage on the same relationship — the garaging story still has to be true. Farmers 5.0 from 67 reviews and Topper Club / Palomar are real for this office; they are not a reason to invent a collector premium. Call (480) 860-0860 with the VIN and how you actually use the car.