Your classic car isn’t worth “market value.” Your insurance should know that.
Family-owned independent agency
Serving Southwest Florida since 2009
You’ve spent years, maybe decades, finding, restoring and maintaining a vehicle that means more to you than its Kelley Blue Book number. A standard auto policy treats it like any other used car: depreciated and replaceable.
It isn’t. Classic car insurance, also called collector or antique vehicle insurance, is built for vehicles that hold or gain value and for owners who treat them as investments. Goodlad & Swank works with specialty carriers that write agreed-value policies across Florida.
A classic policy is written around how collectors actually own and use their cars.
If the car is totaled or stolen, the insurer pays the full value you agreed on when the policy was written. No depreciation formulas and no arguments.
Repairs after a crash, at a shop that specializes in your kind of vehicle rather than a generic body shop.
Theft, fire, vandalism and storm damage. In Florida, hurricanes and flooding are real risks even for garaged cars.
Some policies cover spare parts, tools and memorabilia stored with the car, which matters if you keep original parts for a restoration.
Classic policies typically include flatbed towing, so a low-clearance or high-value car isn’t damaged by a standard tow truck.
Coverage while your car is transported to, or displayed at, a car show, exhibition or auction.
A standard policy pays the depreciated market value at the time of loss. For a 40-year-old car, that can be far less than a collector would pay for it.
You and the insurer set the car’s value when the policy is written. If it’s totaled or stolen, that’s what you’re paid: no depreciation and no lowball offers.
Classic cars are driven less, stored securely and maintained carefully, so premiums are often lower than insuring the same car on a standard policy.
Policies cover car shows, parades, club events and occasional drives. Daily commuting isn’t covered, so your everyday car needs its own policy.
Requirements vary by carrier, but most look for:
Not sure your car qualifies? Tell us about it and we’ll check with the specialty carriers we represent.
Cars from model year 1945 or earlier can get a permanent horseless carriage plate. Newer cars 30 or more years old can get an antique plate, renewed each year, and cars from 1974 or earlier may be able to use a year-of-manufacture plate. We’ll explain how your plate fits your coverage.
We’re not the insurance company. We’re your agent, and that distinction matters.
Classic policies require a separate everyday vehicle with standard auto insurance. We can quote both and look for a multi-policy discount.
A captive agent sells one company’s products. We represent dozens of carriers, so we can shop the market and find the policy that actually fits your situation.
Our office is at 702 Leeland Heights Blvd W in Lehigh Acres, and we serve Lehigh Acres, Fort Myers, Cape Coral, Bonita Springs, Estero and Naples. You’re not a policy number. You’re a neighbor.
Butch Swank built this agency on one idea: change the way people feel about their insurance agency. Our team treats every client like family.
Butch serves on the Board of Lehigh Regional Medical Center and co-founded the East Lee Education Cooperative, and Mary sits on the Board for Lehigh Community Services. We don’t just work here. We live here.
Share who drives, what you drive, your driving history and the coverage you have today.
We shop multiple insurance companies and lay out the differences in coverage and price in plain language.
Pick the policy that fits. We take care of the paperwork and stay your point of contact for changes, renewals and claims questions.
Tell us about your car and how you use it, and we’ll compare specialty carriers for the right agreed-value policy.
