Agreed Value Coverage
If your classic car is totaled, you're reimbursed based on the pre-agreed amount — not the depreciated market value at time of loss.
From antique roadsters to collector-grade muscle cars, Orbit finds the right classic auto insurance policy for your prized possession.
High-performance American classics built for speed. Specialized coverage protects the engine, custom parts, and collectible value of your muscle car.
Explore coverageHigh-end vintage vehicles known for craftsmanship and prestige. Tailored insurance addresses premium repair costs and protects their significant market value.
Explore coverageClassic open-top vehicles with retractable roofs need specialized coverage for their unique mechanics, custom soft-tops, and weather-related exposure risks.
Explore coverageTypically 45+ years old, antique cars carry historical significance. Agreed-value coverage ensures you're compensated for their true worth, not depreciated value.
Explore coverageEarly to mid-20th century vehicles offer timeless design and historical importance. Proper coverage guards against accidents and costly restoration expenses.
Explore coverageSought-after for rarity and design, collector cars are significant investments. Comprehensive coverage protects against theft, damage, and value depreciation.
Explore coverageBuilt for performance, classic sports cars offer thrilling drives. Comprehensive protection keeps them safe from unexpected events while preserving peak performance.
Explore coverageNot sure if your vehicle qualifies as classic? We cover everyday cars too. Our agents will find the right policy for any vehicle you drive.
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We lock in your vehicle's value upfront so you're paid exactly what it's worth — no depreciation deductions in a total loss.
Our agents understand classic cars and know what questions to ask to build a policy that fits your vehicle's unique needs.
Whether you drive seasonally, to shows, or store year-round, we match your mileage to the right plan — saving you money.
Aftermarket upgrades, restoration work, and rare original parts are all covered — not just the base vehicle value.
Get covered however you prefer — from your home, over a call, or sitting down with one of our agents.
A real agent is ready to walk you through your options and help protect your prized vehicle the right way.
Speak with an ExpertClassic auto insurance goes beyond standard car coverage. Here are the key protections to consider for your vehicle.
If your classic car is totaled, you're reimbursed based on the pre-agreed amount — not the depreciated market value at time of loss.
Covers non-collision losses like theft, vandalism, fire, hail, flooding, and wildlife damage — essential for any high-value vehicle.
Helps cover repair or replacement costs if your classic is involved in an accident, regardless of who is at fault.
Protects against financial losses from third-party claims for property damage or bodily injury caused in an accident.
Covers aftermarket modifications, restorations, and custom upgrades installed on your classic vehicle from theft, damage, or loss.
Emergency help when you need it — towing, tire changes, fuel delivery, and jumpstarts so you're never stranded far from home.
Securing the right policy for an antique or collector car requires special considerations. Follow these steps to find the ideal classic car insurance quotes.
Gather restoration receipts, photos, and current market valuations so your classic auto insurance quote reflects the true market worth without depreciation.
Whether you only transport your car to exhibitions or take weekly weekend cruises, selecting tiered mileage limits keeps your premium affordable.
Our team compares leading classic car insurance quotes side-by-side to deliver custom protection, flexible deductibles, and repair shop freedom.
Classic auto insurance is a specialized category of coverage designed specifically for vintage, antique, and collector vehicles. Unlike standard daily-driver insurance that depreciates the car's payout each year, classic car insurance policies operate on an "Agreed Value" basis. You and the insurer agree on the true value of the vehicle upfront, guaranteeing full reimbursement without depreciation if a total loss occurs.
Because collector vehicles are maintained with exceptional care and driven fewer miles, obtaining a classic auto insurance quote typically reveals lower premiums than everyday auto policies. Coverage incorporates critical protections such as liability, comprehensive, collision, and specialized endorsements for custom fabricated parts and restoration labor.
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One agency, one point of contact, and carriers competing for your business. Pick a line below to see what we cover.
Customizable coverage for liability, collision, and uninsured drivers — peace of mind for every mile.
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Protect your work vehicles with liability, physical damage, and medical coverage that keeps you moving.
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Specialized cargo, liability, and physical-damage coverage to keep your fleet compliant and protected.
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Cover property damage, personal liability, and belongings so your biggest investment stays protected.
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Affordable protection for your belongings and liability against theft, fire, or accidental damage.
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Tailored coverage for your assets, employees, and operations — built around how your business runs.
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Cover third-party claims for injury, property damage, or personal injury and protect your reputation.
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Bundle property and liability into one simple policy — broader protection, less paperwork, real savings.
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We shop multiple carriers so you get the lowest rate without cutting your coverage.
Licensed agents who know Florida coverage rules and explain everything in plain language.
No driver’s license? No problem. We have options to get you legally on the road.
Good credit, bad credit, or no credit — your rate is built around you, not just a score.
Get covered however you like — from your couch, over a call, or face-to-face at our office.
A real agent is ready to walk you through your options — no pressure, just answers.
Speak with an ExpertInsurance isn’t paperwork — it’s the call you’re glad you made. Here’s coverage doing its job.
Accidents happen. Our Collision Coverage handles the repairs so the bill isn’t your problem.
Life happens off the road too. Our Comprehensive Coverage repairs non-collision damage, stress-free.
Florida weather is unpredictable. Homeowners Insurance with dwelling coverage helps repair or replace it.
One wet floor can mean a big claim. Business Liability covers medical and legal costs.
Prefer to meet in person? Visit our office, or call and text anytime — an Orbit agent is always ready to help.
