Classic Car Insurance

Your classic car is more than a mode of transport—it’s a story on wheels. At F&T Insurance Agency, we help protect what makes your vehicle exceptional, with classic car insurance tailored for collectors, hobbyists, and restorers across Massachusetts, Rhode Island, Connecticut, and New York.

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Protect the Rare

Classic Car Coverage That Respects the Details

From vintage Mustangs in Westport MA to antique roadsters in upstate New York, we offer classic car insurance coverage collectors rely on to protect their vehicles, their value, and their investment.

Agreed Value Protection

We work with you to determine a true value for your classic vehicle. If there’s a total loss, our classic car insurance policies ensure you receive the full insured value—no depreciation surprises.

Flexible Mileage Options

Whether you drive to shows or only on weekends, our antique car insurance coverage reflects how you actually use your vehicle.

Restoration & Parts Coverage

From restoration garage work to rare replacement parts, our vintage car insurance plans can include added protection for what keeps your car running and true to its original form.



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What Collectors Ask Most

  • Is classic car insurance different from standard auto insurance?

    Yes. Classic car insurance is designed for limited-use vehicles and includes agreed value, special storage terms, and flexible mileage.

  • Can I drive my classic car regularly?

    Policies vary. Most plans cover occasional pleasure use, shows, or parades—not everyday commuting. We'll guide you to the best fit.


  • What qualifies as a classic or antique vehicle?

    Generally, cars 20–25 years or older in maintained or restored condition qualify. We’ll help confirm eligibility.


  • Do I need to garage my classic car?

    It’s often recommended—and sometimes required—for policy eligibility. We’ll clarify what’s needed based on your insurer and location.


  • Can I insure more than one collector car?

    Yes. We help collectors bundle classic car insurance quotes MA-wide for multi-vehicle discounts and streamlined service.

Your Car, Fully Covered

Let’s Protect Your Classic

At F&T Insurance Agency, we treat classic cars with the respect they deserve. Whether you're restoring a family heirloom or cruising in a collector-grade convertible, we’ll walk you through every detail of your policy—with personal guidance from start to claim.

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