Collector Cars

At Karstens Financial we as passionate about cars as you are. Our deep knowledge of cars and their owners allows us to offer you better classic car insurance coverage for less.

Classic car insurance offers some key benefits compared to daily driver or “regular“ insurance.

  1. Lower Premiums
    We understand your car is a prized passion and will be driven with great caution, so we adjust the premiums accordingly — 39% lower on average than daily driver insurance. With a daily driver insurance policy, your classic may be rated like a regular-use vehicle, and you’ll be charged as if you were driving the vehicle every day.
  2. Guaranteed Value
    More commonly known as “Agreed Value” coverage, it means you tell us the value of your classic and we’ll affirm that it’s a fair, accurate number. Then, we GUARANTEE that value will be paid to you in the event of a covered total loss. Regular car insurance carriers offer Actual Cash Value or Stated Value coverage, which may depreciate the value of your vehicle in the event of a claim, resulting in a smaller payout than you anticipate.
  3. No Fixed Mileage
    Our policy allows you flexible usage — with no fixed mileage limits. Even if you have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when your classic is driven.