Protecting Automotive Heritage: Why Classic & Collector Car Insurance Matters in Arizona

In Arizona, where a vibrant car culture thrives year-round—thanks to events like the world-famous Barrett-Jackson Auto Auction, consistent sunshine, and dry climate—classic and collector cars are more than just vehicles—they’re investments and cherished pieces of history.

But standard auto policies fall short when it comes to protecting these specialized machines. HUB International offers tailored insurance designed for classic and collector cars, ensuring owners in Arizona and beyond can safeguard their big-ticket automotive assets.

Why Arizona is a Unique Haven for Car Collectors

Arizona’s mild, dry weather and rich automotive culture make it a magnet for enthusiasts. The Barrett-Jackson auction in Scottsdale attracts buyers worldwide, showcasing rare vintage European and American models. Collection owners appreciate how Arizona’s climate preserves paint finishes and prevents rust—while the State’s passion for automobiles means collector garages and driving clubs are easily supported here.

Yet even in this car-lover’s paradise, a specialized insurance policy is essential to fully protect your vehicle—especially when the average classic car’s value can reach six figures.

What Makes Classic & Collector Car Insurance Different

Agreed-Value Coverage

Unlike typical policies that reimburse based on depreciated values, classic car insurance uses an agreed-value model. You and HUB International agree on the car’s value up front. In the event of a covered total loss, you receive that full agreed amount—no depreciation trickery.

$0 Deductible Options

HUB International offers $0 deductible features, so minor collision or comprehensive damage won’t require out-of-pocket expenses—ideal for owners who want maximum protection without worrying about small repairs.

Coverage for Cars Under Restoration

Restorations are part of the classic-car journey—whether it involves frame-up rebuilds or custom modifications. HUB can write coverage to insure vehicles in progress, protecting both the structure and parts from risks like theft, fire, or damage during restoration.

Purpose-Built Protection

Policies can include limited mileage clauses (e.g., up to 5,000 miles per year), agreed valuation on show setups, spare parts coverage, towing to events, and liability coverage at classic car rallies and shows—typical in Arizona.

Key Coverages Offered by HUB International

Agreed-Value Policies

Protect your investment with certainty. Unlike standard insurance, the payout remains the agreed value even if aftermarket parts are added or the vehicle appreciated.

Zero-Deductible Options

Choose $0 deductibles for hassle-free repairs after minor scuffs, hail damage, or animal strikes.

Restoration Coverage

Whether in a garage or paint booth, your project will be safeguarded from fire, theft, vandalism, and transportation mishaps.

Limited-Use / Show-Car Endorsements

Tailor your policy to special-use routines—limited driving, exhibitions, classic-car cruises.

Collector Auto Event Liability

Expand liability coverage to include participation in Arizona events, including parades and car auctions.

Spare Parts & Tools Coverage

If you keep valuable components in your garage or trunk, they can be insured under your policy.

The Arizona Advantage—with a Few Caveats

Arizona’s warm, dry climate is ideal for preserving classic vehicles, reducing rot, corrosion, and paint deterioration. But it also brings challenges:

• High UV exposure can damage dashboards, interiors, and paint finishes.
• Monsoon storms may cause sudden hail or heavy rain, posing risks to vehicles stored outdoors or during transport.
• Fire risk is higher in some regions, making indoor, secure parking important.

Insurance options through HUB often include bespoke features to cover these climate-specific threats—such as hail, fire, or expedited payouts after major events.

Why Choose HUB International?

HUB is recognized as one of the largest privately held insurance brokerages in North America, with a wide-reaching network and specialized teams focused on high-net-worth individuals and collectors. Their value includes:

• Expert brokers adept at navigating classic/collector auto policies
• Access to specialty carriers offering true agreed-value, restoration build coverage, and event liability
• Tailored advice for Arizona car owners, especially around Barrett-Jackson and regional events
• Dedicated claims support, ensuring swift resolutions and advocacy throughout the repair or restoration process

Mitigation & Security: Tips for Classic Car Owners

• Store indoors—Arizona’s heat, UV, and dust are hard on classic finishes
• Install security systems—alarms, VIN etching, GPS tracking can deter theft
• Regular maintenance—run vehicles periodically to keep seals lubricated and systems active
• Document your car thoroughly—photos, appraisals, restoration logs support agreed-value and expedite claims

These proactive steps, often rewarded with discounted rates, also ensure comprehensive coverage delivers when it matters most.

Final Takeaways: Why You Need a Classic-Car Policy Now

Arizona’s golden weather and vibrant collector scene make it perfect for enthusiasts—but protecting your prized vehicle requires insurance built for its value and usage.

Classic & Collector Car Insurance from HUB International offers:

• Guaranteed agreed-value payouts, not depreciated estimates
• $0 deductible options to avoid repair surprises
• Coverage for cars under restoration, project parts, and storage
• Automotive event liability, perfect for Barrett-Jackson style shows
• Spare part protection and optional transit coverage

Whether you’re driving your vintage beauty to a show, prepping it for restoration, or keeping it tucked away in a garage, HUB can customize a policy for your needs—and your peace of mind.

Next Steps for Arizona Car Collectors

Contact your local HUB broker—Scottsdale, Phoenix, Flagstaff offices know collector vehicles and local risks first-hand

• Schedule an appraisal—professional valuation ensures agreed-value coverage is accurate
• Discuss your restoration plans—get the proper in-progress coverage
• Add $0 deductible and spare part options—these pay off fast
• Review annually—update vehicle use, values, and coverage as needed

Your classic car is an emotional investment, a collector’s treasure, and often a family heirloom. It deserves insurance that reflects all that and more.

If you’d like help protecting your vehicle, building a restoration policy, or getting coverage before Barrett-Jackson, let HUB bring decades of collector-car insurance expertise to work for you.