Is Shopt right for my car?
Collector car insurers look for cars that are enjoyed, not commuted in. Here's what most of them want to see.
Shopt is a good fit if your car is driven for pleasure rather than daily transportation, kept in a private garage or secure enclosed storage, and driven by people with a clean record. The insurance companies each draw these lines a little differently, so if you're close, request quotes and let them decide.
How you use the car
- Driven for pleasure — not your daily driver (some limited commuting may be allowed)
- Club outings, cars & coffee, shows, meets, tours and rallies
Where it's kept
- A private garage or secure enclosed storage
- Not on the street, in a public garage or in a public lot
Your driving record
- No excessive-speed or reckless-driving violations
- No alcohol- or drug-related violations
Not a fit for Shopt
- Daily-use commuter vehicles
- Off-road vehicles, RVs and motorcycles
- Business or commercial use
- Track days, racing or competitive driving — never covered
What kinds of cars?
Classics and antiques, muscle cars, hot rods, restomods, replicas and kit cars, sports cars, exotics and modern collectibles. Modified cars are fine — the form asks about modifications so each insurer can price them. Eligibility for high-performance exotics varies by insurer; very high-value vehicles and collections are reviewed personally by our concierge team.
Not quite a match?
Shopt doesn't quote everyday auto insurance. If your car isn't a fit today, the quote form lets you join our list and we'll check back with you in 3, 6 or 12 months.
Updated October 2026
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