Collector & Antique Division

True Agreed Value Insurance for
Collector & Classic Cars.

Standard auto insurance depreciates your classic like a daily driver. We provide Agreed Value coverage to protect your investment, history, and passion in the Golden State.

Standard Auto Policies Depreciate Classics

Adding your collector car to a regular policy risks undervalued payouts. Agreed Value collector insurance guarantees your full investment is protected.

Agreed Value Protection

We agree on your vehicle's value upfront no depreciation, full payout in a total loss. Tailored for California car enthusiasts.

Why Collector Coverage Matters

Protect modifications, spare parts, and appreciation. Choose your repair shop and enjoy guaranteed flatbed towing for california drives.

  • Guaranteed payout
  • Spare parts coverage
  • Choice of specialist repair
  • Restoration projects protected
Luxury classic car interior detail

Standard vs. Collector Coverage

Standard Auto Policy

  • Depreciated value payout
  • No modification coverage
  • Limited repair choices
  • Standard towing

Collector Policy

  • Full Agreed Value
  • Modifications & parts covered
  • Any repair shop
  • Flatbed towing guaranteed

Vehicles We Cover

Garaged, pleasure-use classics qualify for specialized protection in California.

Classic & Antique

25+ years old, stock or restored.

Modern Classics

Appreciating newer collectibles.

Modified Vehicles

Custom builds and upgrades.

Vintage Trucks

Pleasure-use classics.

Classic car restoration project in garage

Restoration Projects

Coverage for in-progress builds with automatic value increases for California garages.

Automobilia Coverage

Protect signs, memorabilia, tools, and spare parts in your california setup.

Vintage garage with signs and memorabilia

Guaranteed Flatbed Towing

Safe handling with soft straps no damage to your classic on California roads.

Classic car safely loaded on flatbed truck
Man polishing classic car

Common Myths,
Debunked.

Myth: "I can't drive it at all."
Reality: We include "Pleasure Use." Drive it to shows, club events, or just for ice cream on a nice Sunday. We just don't want you commuting to work in traffic.
Myth: "It's expensive."
Reality: Because these cars are garaged and driven carefully, collector insurance is often 30-40% cheaper than standard auto insurance.
Myth: "I need an appraisal."
Reality: Usually False. For most vehicles, we can agree on value using photos and market data. Formal appraisals are only needed for very high-value customs.

Our Simple Process for California Owners

Getting your collector car protected is straightforward with Pacific Haven Insurance. Just One Phone Call Away From Protection.

1

Call or Submit Form

Contact us via phone or fill out our simple online form to get started.

2

Vehicle Assessment

Our agent will discuss your classic car details, location, and coverage needs.

3

Coverage Options

We'll present multiple agreed value options that fit your budget.

4

Customize Your Policy

We'll tailor coverage for your California classic.

5

You're Protected

Enjoy peace of mind on california roads.

See What The Community Has To Say

EXCELLENT
Based on 83 reviews
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Ready to Discuss Your Options?

Whether you need coverage for your car, your home, or both, our team is ready to assist you. Get personalized quotes and expert advice from local insurance professionals.