Classic Car Insurance in Florida

Preserve Value, Drive With Confidence

At FLORIDA WE INSURE AGENCY, we know your classic car is more than just a vehicle, it’s a piece of history, a passion, and an investment. That’s why we offer specialized classic car insurance across Florida, working with 30+ top-rated carriers to deliver coverage that respects your vehicle’s value, use, and rarity. Whether your classic is stored, driven occasionally, or used for shows and events. We tailor your policy to your lifestyle and your car’s needs.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

Black location pin with circle, indicating a place.

What Your Florida Classic Car Policy Should Cover

Vintage silver and brown car with large tail fins, parked outside on a sunny day.

Agreed Value / Stated Value Coverage

Protects your classic car for a pre‑agreed amount — so you’re covered for its true worth if it's totaled or severely damaged.

Liability Coverage

Covers injury or property damage you may cause to others while driving — important even for occasional use.

Collision Coverage (Optional / Limited Use)

If your classic is driven, collision coverage helps cover repairs after a crash. Often coupled with usage restrictions to keep premiums lower.

Comprehensive Coverage

Covers non‑collision risks: theft, vandalism, fire, storm damage — especially relevant in Florida’s climate.

Transit & Storage Protection

Whether your classic is stored in a garage or transported to shows, this protects against damage during storage or transit.

Add-ons

Add‑Ons & Optional Protections for Classic Cars

Box with tools, including a gear and wrench.

Spare Parts / Original Equipment Coverage

Covers rare or original parts, chrome, custom trim, and accessories.

Black car icon.

Show / Exhibition Use Coverage

Ensures coverage during classic car shows, parades, or temporary use outside standard restrictions.

Black badge with the percentage sign for discounts.

Agreed Value Multi‑Car / Collector Package Discounts

If you own multiple classics or collector vehicles, bundling can reduce overall costs.

Ask About Classic Car Add‑Ons & Collector Discounts

Classic cars have unique value including emotional, historical, and financial. Standard auto insurance often undervalues them, leaving you exposed to loss. With dedicated classic car insurance, you get coverage, including agreed‑value protection, specialized parts coverage, and tailored liability that reflects your car’s true worth and reduces the risk of financial loss.

Why Choose FLORIDA WE INSURE AGENCY for Classic Car Coverage

Black check mark on a white background.

30+ Florida Carriers Compared

We find insurers that specialize in classic and collector vehicle coverage.

Black checkmark.

Florida‑Specific Protection

We know how to protect classics from Florida’s climate — salt air, storms, humidity, and flood risks.

Black check mark on white background.

Annual Policy Review & Value Assessment

As your car appreciates or market changes, we reassess value and coverage to keep you protected.

A black checkmark on a white background.

Free Legal Support for Claims Disputes

If a claim is delayed or denied, our in‑house legal team advocates on your behalf — at no cost.

Black checkmark.

Local Agents Who Understand Classic Cars & Florida

Get personalized advice from agents who ride, store, and insure classics themselves.

Person wearing a hat and glasses driving a vehicle, looking towards the sunlit road.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

Black location marker with a white dot inside, surrounded by a circular outline.

Classic Car Insurance FAQs

  • What makes classic car insurance different from regular auto insurance?

    Classic car insurance offers agreed or stated value coverage, parts and accessory protection, and often usage‑based premiums — tailored for vehicles that are rare, collectible, or used sparingly.

  • Is agreed‑value coverage necessary for Florida climate and weather?

    Yes — given Florida’s hurricane, flood, and salt‑air corrosion risks, agreed‑value plus comprehensive coverage ensures you’re protected even against storm or environmental damage.

  • Can I drive my classic occasionally under a collector policy?

    Yes — many carriers allow limited use (e.g. weekends, shows, events). We help you set correct usage declarations to balance coverage and premium.

  • What if I own multiple classic or collector cars — can I bundle them?

    Absolutely. Bundling multiple classic vehicles under a collector or multi‑car policy often reduces premium and simplifies coverage.

Person in car taking notes on a clipboard; driver's arm visible.
Service areas

Areas We Serve — Collector & Classic Car Coverage Across Florida

We provide classic car insurance statewide — including:

Black location pin with a circle around it.

Classic Car Insurance in St. Augustine

Black location pin icon with a circular outline.

Classic Car Insurance in Jacksonville

Black location pin with a circle.

Classic Car Insurance in Tampa

Black location pin icon.

Classic Car Insurance in Sarasota]

Black location pin with a surrounding circle.

Classic Car Insurance Across Florida

Black telephone handset with sound waves.

Preserve Your Classic

Get Coverage Today

Whether you’re restoring, storing, or driving your classic. We’ll help you protect its value and history with the right plan.