Classic Car Insurance that fits the way you live.
Agreed-value coverage through Hagerty, Grundy, and specialty markets — so your '67 Mustang isn't totaled out at bluebook when it's worth four times that.
Why this coverage line is the one we get the most questions about.
Standard auto insurance is the wrong tool for a 1969 Camaro, a '57 Bel Air, or a daily-driven E-Type. Yoshizumi Insurance Agency writes classic and collector cars through specialty markets — Hagerty, Grundy, Heacock, American Modern — that understand agreed-value coverage, parts scarcity, restoration projects, and the difference between a garage queen and a weekend driver. Premiums are typically 30-50% less than standard auto for the same value, because actuarially these cars don't get driven to work in traffic.
How we shop it.
Every quote runs across 30+ admitted and specialty carriers. For classic car insurance, we focus on the markets that actually compete in California's current environment. We don't sell one company's product — we shop the result and recommend the carrier that fits your specific situation.
Insurance for the way you actually live
Whether you're looking for a classic car insurance broker near me, an independent insurance agent near me in San Diego County, or a boutique insurance agency near me with deep specialty-market relationships — this is the office. Featured on CBS 8 San Diego for explaining California's hardest insurance market in a generation.
The questions we hear about classic car coverage.
What is agreed-value coverage and why does it matter?
On a standard auto policy, a total loss is paid out at actual cash value (ACV) — basically Kelley Blue Book minus depreciation. On a classic policy, we agree on the value upfront ($75,000 for a restored '69 Camaro, for example) and that's what's paid. No haggling at claim time.
Can I daily-drive a classic car?
Most specialty markets cap mileage at 5,000-7,500 per year for the best rates. If you daily-drive it, we move to a hybrid program — usually still better priced than standard auto.
What if my car is mid-restoration?
We can write 'car under construction' coverage that protects the vehicle and the parts inventory during the build, then transitions to a full agreed-value policy when it's road-ready.
Tell us a little about what you need to protect.
Send the basics and we'll come back with shopped quotes within 48 hours — same day if it's an escrow.