If you're storing a '67 Mustang fastback, a vintage Ferrari, a numbers-matching muscle car, or anything else that took years to find and serious money to acquire — your standard auto insurance policy is doing you a disservice.
Standard auto insurance was built around one assumption: cars lose value over time. Your carrier looks at your vehicle, applies depreciation, and pays you what they think it's worth today if something happens to it. For a 2019 Honda Civic, that logic makes sense. For a classic car that's been appreciating for decades, it can leave you with a fraction of what you actually have invested.
We've been helping collector car owners in Calabasas and Hidden Hills get this right for a long time. As a Hagerty Insurance partner, we have access to the coverage that was specifically built for vehicles like yours.
The One Thing That Changes Everything: Agreed Value
Standard Auto Policy
If your car is totaled, your insurer decides what it was worth at the time of the loss. You may disagree. They don't care. You get what they calculate — minus depreciation.
Classic Car Policy ✓
You and the insurer agree on the value of the vehicle before anything ever happens. That number goes into the policy. If there's a total loss, you get that number. No depreciation. No negotiation. No arguing with an adjuster who's never heard of your car.
What a Classic Car Policy Actually Covers
Agreed value
The full insured value, paid in full, if the worst happens. No depreciation. No negotiation after the fact.
Collision
Covers damage from an accident regardless of fault. Claims are handled by specialists who understand that restoring a 1957 Bel Air isn't the same as popping a dent out of a daily driver. Quality parts, proper restoration expertise — the repair is done right.
Comprehensive
Theft, fire, vandalism, hail, flood, weather events. In Calabasas and Hidden Hills where wildfire risk is real, this matters more than people might assume. A lot of serious collections are stored in areas that have seen fire activity.
Spare parts coverage
If you've built up a stash of original parts, accessories, and components — which most serious collectors have — that inventory can be covered too. Hagerty includes up to $750 in spare parts coverage in every policy and additional limits are available.
Specialized roadside assistance
Not the kind that sends a standard tow truck driver who's never handled a classic before. Collector car roadside assistance connects you with services that know how to move a vintage vehicle without causing damage in the process.
Travel breakdown coverage
If your car breaks down on a road trip, this covers hotel, meals, and transportation while the vehicle is being repaired. For people who actually drive their classics, this is worth having.
Car show and event coverage
Your car is covered while it's on display at shows, concours events, and other gatherings. Some policies also include liability coverage for incidents at events.
Tools and garage equipment
If you've invested in specialized tools for maintaining and working on your collection, coverage is available for that equipment as well.
Does Your Car Qualify?
Generally speaking, a vehicle qualifies if it's driven occasionally rather than daily, stored properly in a garage or secure facility, and has maintained or increased in value. Most carriers consider vehicles 25 years or older — some will go as young as 10 years for recognized collector models. Types that regularly qualify:
If you're not sure whether your vehicle qualifies, just call us. We'll tell you quickly.
Why Hagerty
We partner with Hagerty because they're genuinely the best at this. They built their entire company around collector cars — it's not a side product for them.
Calabasas and Hidden Hills Are Serious Collector Car Territory
This community has some genuinely remarkable cars in its garages. We see everything from concours-quality restorations to garage-kept exotics to working muscle cars that actually get driven on weekends — which is exactly what they should be doing.
The roads around here don't hurt either. Mulholland Highway, Las Virgenes, the PCH on a clear morning — there are worse places in the world to take a classic car out for a drive. And the Southern California show circuit is one of the most active in the country if that's your thing.
We've been part of this community since 1986 and we genuinely share the enthusiasm. When you sit down with us to talk about your car, you're not talking to someone who needs it explained to them.
Multiple Vehicles? We Cover Collections Too
A lot of our clients in Hidden Hills and Calabasas have more than one car worth insuring properly. Collection policies can cover every vehicle under a single policy with a single premium — simpler to manage and often more cost-effective than insuring each car separately.
Collection policies also work with blanket agreed value, which means the total value of your collection stays protected even as individual car values shift over time. We'll go through your collection, establish the right agreed values, and put together something that covers everything properly.
What You'll Generally Need to Qualify
The requirements are pretty straightforward:
Why Collector Car Owners Around Here Work With Us
We're a Hagerty partner, we're local, and we've been doing this long enough to know what actually matters when insuring a collector vehicle. We're not going to put your '69 Camaro on a standard auto policy and call it a day — and we're not going to insure it for less than it's worth because nobody bothered to establish the right agreed value. You put real time, money, and care into your car. The coverage should reflect that.