Your classic car isn't just a vehicle — it's an investment, a passion project, and in many cases a piece of history. Standard auto insurance policies simply aren't built to protect it properly.

Because classic and collectible cars are often registered as older vehicles, standard insurance practices evaluate them at a depreciated market value — not their true collectible worth. That means if you have an accident, you could end up paying the difference out of pocket for repairs or a replacement you're not fully covered for.

At RFK Insurance, we offer specialized classic car insurance for North Jersey and Jersey Shore collectors that accounts for your vehicle's real value — so you're never left short when it matters most.

We understand that no two collectors are alike. Whether you're showing at a North Jersey car show or cruising the Jersey Shore boardwalk on a summer weekend, we offer specialized insurance for:

Just like you'd customize your ride, your policy needs to be customized too. We factor in your car's collectible value, how many miles you drive each year, and many other personalized details to build the right coverage at the right price.

When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order.

• 🚗Usage
  We'll tailor your policy to reflect your actual driving habits — classic car policies are designed for limited, pleasure use, not daily commuting
• 🏠Storage
  Your collectible should be stored inside a secure, locked garage or structure. This protects both your vehicle and helps keep your premiums low.
• 🚘Regular-Use Vehicle
  Since you won't be driving your classic every day, some carriers may require that you also maintain a standard auto insurance policy in your name.
• 📋Driver Eligibility
  As with other auto insurance, your driving history will be taken into account when determining your rate.

One of the best-kept secrets in the classic car world is how affordable proper coverage can be. Because you're not driving your classic every day, you only pay for the coverage you actually need — unlike a standard auto policy that assumes full-time road use.

Many North Jersey and Jersey Shore collectors are genuinely surprised by how little it costs to properly protect a car they've invested thousands of hours and dollars into. Don't leave that investment exposed — let us show you what the right coverage looks like for your situation.