Not Your Everyday Car—Not Your Everyday Coverage
Your classic or collector car is more than a mode of transportation—it’s a labor of love, a piece of history, and often a lifelong dream realized. At The White Agency, we understand what these vehicles mean to their owners, and we provide specialized classic car insurance for Florida enthusiasts who want true protection, not just a policy.
Unlike standard auto coverage, collector vehicle insurance typically includes agreed value coverage, meaning your vehicle’s value is guaranteed—not depreciated—in the event of a total loss. Whether you're taking your vintage Camaro to a local car show in East Orlando or keeping your '65 Mustang tucked away in the garage, we’ll help you insure it properly.
We partner with top carriers including Hagerty to bring you tailored solutions designed for the unique needs of collector car owners across Central Florida.
Coverage That Fits Your Collector Vehicle
Qualifying Vehicles
Collector insurance is typically available for cars 20–25 years or older, kept in good condition, and driven sparingly. That includes classics, antiques, hot rods, muscle cars, exotics, and kit cars.
Agreed Value Coverage
Unlike regular auto policies, this coverage pays the full insured value of your car in a total loss—no depreciation, no negotiation.
Limited Mileage Plans
Most classic car policies assume occasional use—weekend cruises, parades, or exhibitions—which helps keep premiums low.
Spare Parts & Accessories
Protect hard-to-find replacement parts, custom wheels, vintage radios, and even the tools you use for restoration.
Exhibition & Show Coverage
Get peace of mind while displaying your vehicle at meets and shows. Coverage can extend beyond your garage.
Claims That Understand Classics
Work with adjusters who know collector cars and will treat your vehicle with the respect it deserves during repairs or claims.
Florida Expertise for True Enthusiasts
We help classic car owners insure smarter—not just cheaper.
When you own a vintage vehicle, standard insurance won’t cut it. Our agents work closely with collectors across Orlando and surrounding communities—offering insight into proper valuation, storage considerations, and coverages that align with how you actually use your car.
Whether you own one classic or a full garage, we’ll help you find protection that reflects your passion and protects your investment.
- Coverage for antique, vintage, and exotic collector cars
- Agreed value protection (no depreciation)
- Discounts for secure indoor storage
- Advice on eligibility for multi-vehicle policies
- Bundle with your daily driver or home for added savings
No jargon. Just expert guidance tailored to your vehicle.
Answers for Florida Classic Car Owners
Classic cars are unique—and so are the questions that come with insuring them. Whether it’s your first collector or your forever project, here are some answers to help you protect your ride with confidence.
What counts as a classic car in Florida?
Typically, a vehicle that is 20–25 years old or older, maintained in good condition, and used sparingly for pleasure driving or exhibitions.
What is agreed value insurance?
It’s a coverage option where you and your insurer agree on your car’s value up front. If there’s a total loss, you’re paid that full amount—no depreciation, no hassle.
Can I drive my classic car daily?
These policies are designed for limited use. Daily drivers need a standard auto policy. We can help you bundle both policies together.
Is garage storage required?
Most carriers will require secure, indoor storage to qualify for collector car insurance. It helps reduce risk and lower your premiums.
Can I get coverage for a car in restoration?
Yes, many policies allow for restoration coverage—protecting your vehicle and its parts even while it's off the road.