Specialty & Classic

Specialty insurance covers classic cars, collector vehicles, exotics, and high-performance cars with agreed-value policies that pay the full insured amount rather than depreciated market value in a total loss. It also serves non-standard drivers such as those with SR-22 requirements or poor driving records who cannot get standard coverage. Look for agreed-value rather than stated-value policies, verify that spare parts and restoration work are covered, and confirm any mileage restrictions align with how you actually use the vehicle.