Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
A collector car is not transportation, and insuring it like transportation is how owners lose money. Harvey Insurance writes Arkansas collector coverage on agreed value, with terms built for restorations, shows, and cars that are driven for pleasure.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
The problem with a conventional auto policy on a collector car is that it is designed to settle claims by depreciation, and depreciation is exactly the wrong lens for a vehicle whose value has been rising for twenty years. On a total loss it produces a number bearing no relationship to what the car would sell for or what replacing it would cost. An Arkansas collector policy fixes that by establishing an agreed value at issue and paying it. The rest of the form follows the way these cars are owned: coverage that increases as a restoration progresses, protection while the car is at a show in Hot Springs or on the road to one, allowances for spare parts and tools, and mileage terms suited to weekend driving through the Ozarks rather than a daily commute. Where a car is an import, the policy also has to account for parts that come from overseas and repair timelines measured in months.
Get a Free Classic Car QuoteThe terms that separate a collector policy from a standard one.
Three factors that shape collector claims here.
Standard policies assume a vehicle is worth less every year. For a well-kept collector the opposite is usually true, and only agreed value accounts for it.
Arkansas storms bring hail and falling timber, and a car caught out at an event or parked outside a shop takes the same damage a roof does.
Collector repair depends on specialist labor and parts that may take months to source. The policy has to reflect that reality rather than a modern repair timeline.
Getting the value and the terms right up front is the entire job.
Appraisals, photographs, and receipts are collected at issue, which is what makes the agreed-value promise hold up later.
We revisit the limit as the build progresses so the coverage tracks the money going into the car.
Garaging requirements and mileage conditions are explained plainly, because a violated condition is a denied claim.
FAQ
Classic Car Insurance is not the only thing we write in Arkansas. Most households end up combining a few of these, which is usually where the savings turn up.
Tell us about the car, the restoration, or the import. We will document the value and quote it right.
Get a Free Classic Car QuoteCoverage Areas
We write collector coverage across Arkansas — Little Rock and central Arkansas, the Hot Springs show and cruise scene, Northwest Arkansas from Fayetteville to Bentonville, Fort Smith and the river valley, the Ozark and Ouachita touring country, and Jonesboro and the Delta to the east.