Collector Car Insurance in Tennessee—Coverage Built for True Vehicle Value

Standard Auto Insurance Isn’t Built for Collector Cars

Collector and classic vehicles deserve specialized protection. A standard auto policy typically pays actual cash value, which may fall far short of what your vehicle is truly worth. Collector car insurance is designed for vehicles that are well-maintained, carefully stored, and driven occasionally—providing coverage that reflects their real value and use.



The Bill Yon Agency helps collectors across Tennessee protect what they’ve built, restored, and preserved.

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What Collector Car Insurance Can Cover

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Liability Coverage

Covers injuries or property damage if you’re at fault while driving your collector vehicle.

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Agreed Value Physical Damage

Protects your vehicle for its agreed value in the event of a covered total loss.

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Comprehensive Coverage

Protection against theft, fire, vandalism, and weather-related losses.

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Collision Coverage

Covers damage from collisions with another vehicle or object.

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Spare Parts & Memorabilia (Optional)

Coverage options may be available for stored parts or related items.

How Collector Policies Typically Work

Collector policies are designed for limited, pleasure-based use. Common requirements include:

  • A separate daily driver for regular transportation

  • Limited mileage or restricted usage (shows, club events, weekend drives)

  • Secure storage, such as a garage or enclosed structure

  • Clear documentation of value

We’ll help ensure your policy matches how you actually use the vehicle—so there’s no confusion later.

Protect the Value You’ve Built

Most collector car policies are written on an agreed value basis. That means you and the insurer agree on the car’s value upfront. If the vehicle is totaled, that agreed amount is paid—no depreciation calculations.


This is one of the biggest advantages of collector car insurance over standard auto coverage.

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Collector Car Insurance FAQs

  • What is agreed value classic car insurance?

    It’s coverage where the insurer agrees upfront on the vehicle’s value, which is paid in full if the car is totaled.

  • Do classic car policies have mileage limits?

    Yes. Most include mileage or usage restrictions. We’ll help you choose terms that fit your driving habits.

  • Can I insure a car I drive occasionally?

    Yes. Occasional pleasure use is typically acceptable under collector policies.

  • Does a collector policy replace regular auto insurance?

    No. You’ll still need a standard policy for your daily driver.

Not Sure If Your Car Qualifies?

We’ll review your vehicle, usage, storage, and value to determine the best collector policy—quickly and clearly.

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Let's Talk

Protect More Than a Car—Protect Its True Worth

From classic restorations to modern collectibles, The Bill Yon Agency helps Tennessee collectors secure coverage that respects the value of their vehicles.