Preserve the Legacy. Protect Your Passion.
Your collector car is more than transportation — it’s a treasured investment, a piece of history, and a reflection of your passion. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock car enthusiasts protect their classic, vintage, and specialty vehicles with custom coverage designed for true collectors.
A collector car isn’t like your daily driver — and it shouldn’t be insured like one.
Standard auto policies are built for vehicles driven daily, not prized automobiles stored, displayed, or driven occasionally for pleasure.
Collector car insurance provides agreed-value protection, limited-use discounts, and coverage tailored for unique parts, restorations, and collector value — ensuring your “metal baby” is covered exactly as it should be.
If you own a vehicle that is classic, antique, restored, or limited production, a collector policy is essential. RMIA provides protection for:
Classic Cars (20+ years old)
Antique Vehicles (built before 1975)
Custom & Hot Rods
Muscle Cars
Exotics & Luxury Collectibles
Restored & Show Cars
Kit Cars & Replicas
Even modern specialty cars with appreciating value — like limited-run sports cars — can qualify for collector coverage.
Your policy can include the same protections as a regular auto plan, but with enhancements made for collectible vehicles:
Core Coverages:
Agreed Value Coverage: You and the carrier agree on your car’s full value upfront — no depreciation.
Comprehensive & Collision: Covers damage from accidents, theft, fire, or vandalism.
Spare Parts Coverage: Includes restoration parts or replacements stored off-vehicle.
Trip Interruption: Reimburses lodging and transport if your car breaks down away from home.
Auto Show & Exhibition Liability: Covers your car while displayed at car shows or community events.
Towing & Roadside Assistance: Specialized flatbed towing for classic or low-clearance vehicles.
Optional Add-Ons:
Inflation Guard: Automatically increases your agreed value to reflect appreciation.
Cherished Salvage: Lets you keep your car and still receive the full payout after a total loss.
Multi-Vehicle Discounts: For collectors with multiple classic cars.
Castle Rock and Douglas County’s scenic roads — from Highway 105 to Perry Park and Palmer Lake — are perfect for weekend cruises. But Colorado’s hailstorms, wildfire exposure, and seasonal storage needs require special planning.
RMIA helps ensure your policy accounts for storage conditions, mileage limits, and climate-related risks, so your prized car stays protected year-round.
Independent Expertise: We partner with specialized insurers like Hagerty, Grundy, and American Modern — the gold standard in collector car protection.
Local Passion: As Colorado car enthusiasts ourselves, we understand the pride behind every restoration.
Tailored Coverage: We help you balance showtime coverage, trailering protection, and flexible mileage plans.
Claims Support You Can Trust: If damage occurs, we coordinate with adjusters familiar with collector valuation — not generic market pricing.
Typically, cars 20+ years old, limited production, or restored with collectible value qualify. Eligibility depends on use, storage, and condition.
Agreed value guarantees the full insured amount in case of total loss — unlike standard auto policies that deduct depreciation.
Collector policies are designed for occasional use (shows, parades, leisure drives). For daily driving, you’ll need standard auto coverage.
Yes. Comprehensive coverage protects your car year-round — whether in a garage, storage unit, or enclosed trailer.
Some carriers require an appraisal or recent photos to confirm agreed value. RMIA can guide you through this simple process.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Your car tells a story — let’s make sure it’s preserved for generations to come.
Get expert guidance and tailored collector car insurance from RMIA, Castle Rock’s trusted local advisors.
