Classic Car Insurance That Respects the Ride
Specialized Protection for Vintage, Muscle, and Collector Vehicles in Germantown, MD
Your classic car isn’t just transportation — it’s history, heritage, and heart. At CF Alliance, we understand what makes collector cars different and why your coverage should be too. As a local, independent agency serving Germantown and the DMV, we help protect your prized vehicle with expert guidance, agreed value options, and flexible coverage built around how you actually use it.
What Your Policy Should Cover
Agreed Value Coverage
Covers your classic car for a pre-determined value — no depreciation, no surprises. You’ll get the full insured amount in the event of a total loss, not a reduced market value.
Comprehensive & Collision Coverage
Protects against damage caused by theft, vandalism, accidents, weather, or unexpected hazards — whether the car is in storage, at a show, or on the road.
Liability Protection
Provides coverage if your classic car causes injury or property damage in a covered accident — essential even for limited-use vehicles.
Medical Payments / Personal Injury Protection
Covers medical bills for you or your passengers after an accident, no matter who was at fault — especially important when carrying passengers to events.
Spare Parts & Accessories Coverage
Covers collectible or custom parts that may be stored separately or installed later — including rare trim, badges, and show-quality extras.
Optional Add-Ons for Classic Car Owners
We’ll help you fill in the gaps with endorsements built for collectors — not commuters.
Add‑Ons That Matter
Because your classic deserves more than basic:
Spare Parts Coverage
Protects your collection of rare or hard-to-find parts in the event of damage, theft, or loss — even when they’re off the car.
Flexible Mileage Options
Choose coverage that aligns with your real driving habits — from low-mileage cruisers to weekend show cars.
Flatbed Towing & Specialty Roadside Assistance
Designed for classic cars that require special handling, this add-on helps ensure your vehicle is transported safely and correctly.
Why It Matters
Coverage That Honors the Value — and the Passion
Classic cars aren’t daily drivers, and they shouldn’t be insured like one. From agreed value coverage to usage-based flexibility, CF Alliance builds policies that protect what makes your vehicle special. Whether it’s stored, shown, or driven occasionally, we’re here to make sure your coverage respects its value — and your time invested.
What You Need to Know
Is classic car insurance cheaper than standard auto insurance?
Often yes — because it’s based on limited use, careful storage, and low annual mileage.
What qualifies as a “classic car”?
Most insurers define a classic as 20–25 years old, in good condition, and not used for daily driving. We’ll help you find the right classification.
Can I drive my classic to work or just shows?
It depends on the policy. Some allow pleasure drives and car shows, while others limit usage. We’ll help you choose what fits.
Do I need special storage or security?
Some policies may require indoor storage or anti-theft measures — especially for higher-value vehicles.
Can I bundle my classic car insurance with my regular auto policy?
Yes, and we’ll make sure each vehicle gets the appropriate coverage, pricing, and protection.
Let’s Protect the Car You Love
Your classic car is one of a kind — your insurance should be too. Let CF Alliance help you build a policy that preserves the beauty and value of what you’ve worked hard to restore.