Classic car coverage guide · Middle Tennessee
How Much Classic Car Insurance Do I Need?
Classic car coverage is built around the car’s value and how you use it. Here’s what to ask.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Classic car owners usually want coverage based on an agreed value, liability that fits their household and coverage that reflects limited use and secure storage. Usage and storage rules vary by policy.
Coverage
Sizing your classic car insurance, step by step
Work through these for your classic car insurance. Rough answers are fine to start.
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1. Agreed value
Decide on a value, often with an appraisal or photos.
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2. Usage rules
Many policies limit mileage or daily use.
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3. Storage
Garaged and locked storage is often required.
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4. Liability
Fits with your regular auto and umbrella.
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5. Parts and restoration
Ask about spare parts and cars under restoration.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to gather before you call about classic car insurance
Having these nearby makes a classic car insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Year, make and model
- Recent photos or appraisal
- How you store it
- How often you drive it
Around Middle Tennessee
What people often miss with classic car insurance
Agreed value can make a total loss much simpler than actual cash value.
Most classic car policies expect you to have a regular vehicle for daily driving.
Classic car policies are built for collector use: shows, club drives and the occasional Sunday cruise. If the car is still your daily driver, a classic policy may not fit, so be upfront about how often it’s on the road.
Sources: NAIC: actual cash value vs. replacement cost coverage
Keep records
Photos, receipts and appraisals help support the value.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Middle Tennessee Classic Car Coverage Guide FAQs
Updated
What is agreed value?
A value you and the insurance company agree on up front, used if the car is a total loss, subject to policy terms.
Do I need an appraisal?
Sometimes. Photos and records may also help.
Are there mileage limits?
Often. Ask about yours.
Does it need to be garaged?
Many policies require secure storage.
Can I drive it to car shows?
Usually, yes. That’s what it’s for.
Is a car under restoration covered?
Some policies can. Ask.
Can I bundle with my other cars?
Often, yes.
How do I start?
Call 615-562-5100.
Can a modified or restomod car be covered?
Often, yes. Document the work and tell us about it.
Does the value go up as the car appreciates?
Agreed value can be reviewed. Ask us at renewal.
Questions about your classic car insurance?
Tell us a little about your situation and we’ll follow up about your classic car insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about classic car coverage guide or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed