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California Classic Car Insurance Coverage

Classic Car Insurance

Those who love classic cars are willing to spend the bucks to both own and restore them to their original condition. Regardless of where you are in America, these cars evoke a certain feeling in all of us. Even if we weren't alive to experience the small-town pride that existed both during and after the wars, these cars remind of us of how great this country is and how far we've come as a nation.

That's why you can't afford to let anything come between you and your baby. Classic car insurance saves the collector from unforeseen damage, and there's a lot of it out there even if you're doing a restoration project only. From storms that come out of nowhere to neighbors who throw a baseball just a tad too hard, you can find a policy to protect your investment from different threats in your area. If you're planning to drive the car, then there's nothing better than taking it to the Pacific Coast Highway where you can enjoy the ocean in all its glory — preferably with the top down. Make sure no harm comes to it both when you're out and when you're at home.


Each letter in CHROME® represents a different type of SPECIALTY VEHICLE we insure:

  • Classic, Antique**†, Modern Classic
  • Hot Rod or Street Rod, modified, built before 1949
  • Replica or Kit Car
  • Original un-restored**
  • Modified or Custom built after 1948**
  • Exotic, rare or unique, in excess of $100,000 in appraised value

** Vehicle must be at least 25 years old
† Restored to original condition

Brilliant Specialty Car Protection

You've made a BIG INVESTMENT in your specialty car. Now let CHROME® specialty car insurance from ANPAC® help you protect your investment with coverage designed for car buffs by car buffs. CHROME® gives you many important benefits, including:

Multi-CHROME® Discount - If you own two or more specialty vehicles, American National has a discount just for you. Clients who own more than one collector car or truck can get up to 85% off CHROME®'s already affordable rates when more than one vehicle has Bodily Injury coverage.* Your discount increases with the number of qualifying CHROME® vehicles on your account, whether they are in your garage or on the road.

The Multi-Chrome Discount applies to premium rates for Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection, and Collision Coverage. Cars with Comprehensive coverage only do not qualify for this discount.

Personalized Service Through Your Local American National Agent - CHROME® is sold exclusively through dedicated, full-service American National agents who can also provide you with a wide array of insurance products to give you the personalized service you deserve.

Agreed Value Coverage - If your specialty car is determined to be a total loss, CHROME® will pay you the vehicle's value as shown on your policy, less your deductible.

Generous Annual Mileage - With CHROME® coverage you can enjoy driving your specialty vehicle up to 10,000 miles annually. Roadside Service and Flatbed Towing - Mechanical breakdown? Lock your keys in your car? CHROME® provides you with roadside assistance and flatbed towing** (where available). Learn more about Easy Tow® here.

Repair Facility of Your Choice - If your specialty vehicle is damaged, you decide which repair facility will restore it.

$1000 Spare Parts Coverage - CHROME® gives you up to $1000 in coverage for loss to spare parts that you own for your specialty vehicle.

Five Star Claim Service - We're available 24 hours a day, 7 days a week, to answer your claims questions, process your claims as quickly as possible, and get you and your specialty vehicle back on the road. Learn more about it here.

Common Cause of Loss Deductible - With this unique, money-saving feature, you pay only one deductible per occurrence regardless of the number of property items damaged or destroyed when all are insured by American National.

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Our Trusted Partners

  • Amercian Modern
  • Amercian National
  • AmTrust
  • Burns and Wilcox
  • Chubb
  • Farm Family
  • Foremost
  • GeoVera
  • Kemper
  • Metlife
  • Principal Financial
  • Progressive
  • The Hartford
  • Travelers
  • Safeco
  • State Fund
  • Zurich