Classic Car Insurance Appraisals
Agreed value documentation. Clients have submitted our reports to Hagerty, State Farm, Farm Bureau, and other leading collector insurers. Online from $149 — same-day delivery, all 50 states.
ASCAA-CERT-4246
Certified appraiser credential
USPAP Compliant
Prepared in substantial conformity with USPAP 2025–2026
Hagerty Approved
On Hagerty's approved appraiser list
Since 1993
Appraising vehicles for 30+ years
Why Agreed Value Coverage Requires a Certified Appraisal
Standard auto insurance pays actual cash value — the depreciated market value of your vehicle at the time of a claim. For a daily driver, that's usually fine. For a classic car that has appreciated over decades, it can mean a settlement that's a fraction of what the car is actually worth.
Agreed value coverage works differently. You and your insurer agree on a specific dollar amount upfront, documented in a certified appraisal. If the car is totaled or stolen, you receive that agreed amount — no depreciation, no negotiation, no surprises.
The catch: insurers require documentation. A forum post, a price guide estimate, or a dealer's verbal quote won't satisfy an underwriter. They need a certified written appraisal from a qualified appraiser — one that documents the vehicle's condition, establishes comparable sales, and carries a professional signature.
That's what we produce. Our certified insurance appraisals are used by clients with leading collector insurers across the country, delivered the same day you submit, and start at $149 for the online version.
Carriers our clients have submitted our reports to
What's in the Appraisal Report
Every insurance appraisal we produce includes the elements insurers actually require — not a one-page form with a number on it.
Certified appraiser signature
Every report is signed by a certified appraiser and includes the appraiser's credentials — ASCAA-CERT-4246, USPAP conformity statement, and CV.
Detailed condition narrative
Paint, bodywork, interior, mechanical, and drivetrain condition documented in writing, not just a number.
Market-supported value
Comparable sales data from auction results, dealer listings, and private sales used to support the stated value.
Photo documentation
Your submitted photos are incorporated into the report — the same evidence your insurer will want on file.
Same-day delivery
Most online appraisals are delivered the same day you submit. No waiting a week for an inspector to schedule a visit.
Submitted nationwide
Clients have submitted our reports to leading collector insurers and standard carriers writing classic vehicle endorsements in all 50 states.
When You Need a Classic Car Insurance Appraisal
Switching to agreed value coverage
Your insurer needs a certified appraisal to set the agreed value on a new or existing collector policy. Without it, you may be covered for less than the car is worth.
Renewing a policy on a car that has appreciated
A restoration completed three years ago, a market surge in your model, or recent auction results may mean your current agreed value is now too low. An updated appraisal corrects that.
Insuring a recently restored vehicle
A freshly restored car is worth more than a driver-quality example of the same year and model. The appraisal documents the restoration work and supports a higher agreed value.
Adding a newly purchased classic to a policy
Insurers want documentation before they write agreed value coverage on a vehicle they haven't seen. Our online appraisal gives them what they need the same day you submit.
Filing a claim after a total loss or theft
If you're in a dispute with an insurer over a settlement amount, a certified appraisal from before the loss is the strongest evidence you have. We also assist with insurance negotiation when claims go sideways.
High-value or heavily modified vehicles
Hagerty and other collector insurers often require a formal appraisal for vehicles valued over $100,000 or cars with significant modifications that affect value beyond the standard model.
Frequently Asked Questions
Does Hagerty require an appraisal?
Hagerty does not require a formal appraisal for every policy, but they strongly recommend one for vehicles valued over $100,000, heavily modified cars, or any situation where you want to lock in a specific agreed value with documentation. Our certified appraisals include the condition narrative and photo record their underwriters need.
What's the difference between agreed value and stated value?
Agreed value means the insurer commits to paying the full appraised amount in the event of a total loss — no depreciation, no negotiation. Stated value means you declare a value, but the insurer may still pay actual cash value if it's lower. Agreed value is the stronger protection, and it requires a certified appraisal to establish.
How often should I update my insurance appraisal?
Every three to five years is a reasonable baseline, or sooner if the car has been restored, the market for your model has moved significantly, or you've made modifications that affect value. An outdated appraisal can leave you underinsured even with agreed value coverage.
Can I use your appraisal for a claim dispute?
Yes. A certified appraisal completed before a loss is strong evidence in a claim dispute. We also offer insurance negotiation services for clients whose claims have not been settled fairly — see our services page for details.
Do you appraise modified or custom vehicles?
Yes. Restomod builds, custom fabrication, engine swaps, and other modifications are documented and factored into the appraisal. We note the work done and support the value with comparable sales where available.
See exactly what you're getting
Download a real insurance appraisal we produced for a 1972 C10 — the same format your insurer will receive.
Ready to protect what your classic is actually worth?
Certified insurance appraisal from $149. Same-day delivery. Clients have submitted our reports to leading collector insurers across the country.