The 2025 driving season is officially upon us and for many classic car and truck owners that means getting their rides back on the open road. Unfortunately, this is also the time of year that many owners get hit with auto insurance rate increases, even those with good driving records and who haven’t had to file a claim. In fact, the average cost for auto insurance has increased 51% over the past 3 years, six times faster than inflation overall according to The Consumer Price Index (CPI).
Good Drivers and Auto Collectors Are Being Overcharged
In addition to the severe insurance rate spikes impacting law-abiding daily drivers, collectors of classic, antique, and custom cars are among the most severely affected by these insurance cost increases. Not only are auto collectors likely paying more than they should be given their reduced risk profile, but the coverage they do buy could prove to be radically insufficient. This unfortunate truth will only be discovered when they need to make a claim.
These collectors face a double inequity: not only are they statistically less likely to get into an accident or file a claim, but standard auto insurers often don’t offer proportionally lower rates for owners who drive their vintage vehicles fewer miles than their daily drivers. Adding further strain on collectible vehicle owners is the limited options available when it comes to classic and collector auto insurance. For decades, these owners have been faced with the same old confusing programs and complicated coverage options, not to mention those pesky letters landing in their mailboxes telling them their rates have gone up yet again.
Some Good News for Classic & Collectible Vehicle Owners
In all this market turmoil there does seem to be some good news for classic car and truck owners, and word is quickly spreading. Recently the auto enthusiast community has been buzzing about a program being offered by the Dallas-based collector vehicle insurer OpenRoad.
Customer testimonials from owners previously covered by standard auto insurers, as well as many previously insured by classic car insurance providers, continue to roll in highlighting significant savings, better coverage, and superior customer service. With so many auto enthusiasts making the switch to OpenRoad, it seems that they have finally found everything that they have been looking for in a classic auto insurance provider. Just check out these recent customer reviews:
- “Almost half the price (of) your competitors for equal coverage.”
- “Better coverage for less cost than other classic car insurance companies.”
- “They made it easy for me to switch from my old insurance policy to new one and at less than half the price!”
- “Not only did they match our previous collector car insurance, they beat it even after adding another vehicle to the policy! They are rockstars! Would recommend to everyone!
- “To my total surprise I got more coverage for a fraction of what I have been paying.”
- “Pricing was 20% lower than their direct competitor for the exact same coverage on multiple vehicles… These days, when insurance (cost) is outrageous, these people stepped up to the plate … Thank you, Open Road.”
Setting a New Bar for Classic & Collector Vehicle Insurance
OpenRoad has built a truly unique collector vehicle insurance program that all starts with their pricing. Not only do they provide significant savings for drivers with great driving records, but they also account for the reduced accident frequency associated with collector vehicles, often resulting in far lower insurance rates overall. But OpenRoad goes above and beyond on pricing, offering additional discounts to car club members as well as customers who transfer their coverage from another classic car insurer.
With OpenRoad, paying less definitely doesn’t mean getting less. Far from it! In fact, their coverage goes above and beyond what many other programs out there can offer. In addition to getting all the coverage you’d expect with any auto insurance policy— think comprehensive, collision, uninsured motorist, and the like — every OpenRoad policy comes with several protections tailored to car collectors.
Their agreed value policy guarantees that the insurance payout you’ll receive in the event of a total loss equals the actual worth of your classic car, rather than a depreciated value that most insurance programs use. This guarantees that you’re covered for the true value of your ride, considering the time, effort, and investments you put into your vehicle as well as its condition and rarity.
For anyone who has ever needed to file a claim for their classic or collector vehicle, you know how frustrating the process can be. OpenRoad is setting a new bar here as well. Under their program you know that if you need to file a claim the repairs will be done right. Not only will repairs be performed with OEM parts specifically tailored to your vehicle, but you’ll also get to choose a repair shop you know and trust, one that specializes in collector vehicles and classic car restorations. One customer described their recent claim experience with a testimonial that reads, “I can’t imagine any better customer service. I was extremely satisfied with my recent interaction with Open Road. Friendly, knowledgeable and courteous. My claim was handled quickly and efficiently. Best service ever! Thank you.”
OpenRoad also includes a generous emergency roadside cost reimbursement program at no additional cost as well as coverage for the relocation and temporary storage of your ride in the event of major disasters such as hurricanes and wildfires.
Delivering Superior Customer Service & Specialized Coverage
Beyond the significant cost relief, many customers also point to the excellent customer service they received with reviews that include statements such as, “The team went above and beyond to help us,” and, “Overall, the best experience I’ve had setting up insurance.” That’s some high praise for an auto insurance company.
Rapidly Expanding Across the U.S.
To keep up with the massive market demand that they’ve seen, OpenRoad has been rapidly rolling out its insurance program across the U.S., quickly growing coverage availability to 24 states. Don’t reside in one of their currently live states? Don’t worry, the brand plans to add coverage across several more states by the end summer 2025. You can also sign up for their launch newsletter and get notified as soon as coverage is available for your area.
Get your quote today and see how much you could save in about 5 minutes.
