--- title: How We Compare description: Compare our coverage against your current classic or standard auto insurance and discover what the right collector car protections looks like. --- [![](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/iconamoon_home-duotone.svg) ](https://hs.openroadautoinsurance.com/?hsLang=en) [Classic Car & Truck Insurance](https://hs.openroadautoinsurance.com/our-coverages?hsLang=en) [Coverage Areas](https://hs.openroadautoinsurance.com/coverage-areas?hsLang=en) [Available Discounts](https://hs.openroadautoinsurance.com/available-discounts?hsLang=en) # How We Compare ## How We Compare ![How we compare](https://hs.openroadautoinsurance.com/hs-fs/hubfs/jorgen-hendriksen-DsaYhvJYEuQ-unsplash.jpg?width=450&height=300&name=jorgen-hendriksen-DsaYhvJYEuQ-unsplash.jpg "How we compare") ## The Difference is Clear Standard & bundled auto insurance coverages are built for daily drivers, not classic and modern collectible vehicles. To them your classic is just another daily driver, exposed to all the added risks of being on the road everyday. And their rates reflect that! We understand the distinction and how you care for your ride. That’s how we can provide the best-in-class insurance rates that we do! [ Start Your Quote Today! ](https://prod-openroad-apps.digital1st.io/public/quote/prospect) --- ## Discover What the Right Coverage Looks Like ## Compare our coverage against your standard auto insurance ## Discover What the Right Coverage Looks Like ## Compare our coverage against your standard auto insurance #### Coverages ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Auto Liability Protection ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Uninsured/ Underinsured Motorist ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Personal Injury & Medical ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Comprehensive & Collision ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Collector Vehicle Expert Support ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Agreed Value Coverage ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Repairs with OEM Parts ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Shop of Choice Repairs ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Tools & Parts Coverage ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Evacuation Expense Coverage ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Under Construction Coverage ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Roadside Reimbursement ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) No Deductible Windshield ![tooltip](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/tooltip.svg) Limited Fraud Coverage #### Standard Insurance ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![OpenRoad Logo](https://hs.openroadautoinsurance.com/hubfs/download%20(1).svg) ![OpenRoad Icon](https://hs.openroadautoinsurance.com/hubfs/download.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) ![check](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/check.svg) --- ## Coverage Built for Collector Vehicles OpenRoad coverage includes many protections not available with your standard auto insurance, protections you actually need. ## Coverage Built for Collector Vehicles OpenRoad coverage includes many protections not available with your standard auto insurance, protections you actually need. #### [![Agreed Value Coverage](https://hs.openroadautoinsurance.com/hubfs/-_Agreed%20Value-2.svg) Agreed Value Coverage ![](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/Vector.svg) Insuring your ride for what it’s really worth. Coverage for your vehicle based on a predetermined value that takes into account the vehicle’s rarity, condition, and historical significance. ](https://hs.openroadautoinsurance.com/agreed-value?hsLang=en) #### [![Shop of Choice Coverage](https://hs.openroadautoinsurance.com/hubfs/-_Shop%20of%20Choice%20mod-1.svg) Shop of Choice & OEM Parts ![](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/Vector.svg) OpenRoad ensures repairs are done right. Enjoy zero deductible windshield replacements as well as repairs performed with OEM parts and at the shop of your choice.](https://hs.openroadautoinsurance.com/shop-of-choice?hsLang=en) #### [![Emergency Support Services](https://hs.openroadautoinsurance.com/hubfs/-_Emergency%20Evacuation%20Expense-2.svg) Roadside Reimbursement ![](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/Vector.svg) Reimbursement for emergency services like towing, lockout support, and evacuation expenses. You can hit the road with confidence knowing you're protected.](https://hs.openroadautoinsurance.com/emergency-services?hsLang=en) #### [![Spare Parts & Tools Coverage](https://hs.openroadautoinsurance.com/hubfs/-_Spare%20Parts%20%26%20Car%20Coversmod-1.svg) Spare Parts & Tools Coverage ![](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/Vector.svg) Our base policy includes coverage for loss or damages to spare parts as well as for your car cover or car bra from theft, vandalism, or a covered accident.](https://hs.openroadautoinsurance.com/tools-parts?hsLang=en) ## With All the Standard Protections You’ll also enjoy superior coverage across all the standard auto insurance protections, but at a price you'll love. ## With All the Standard Protections You’ll also enjoy superior coverage across all the standard auto insurance protections, but at a price you'll love. #### [![Collision Coverage](https://hs.openroadautoinsurance.com/hubfs/-_Collision-1.svg) Collision Coverage ![](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/Vector.svg) Covers damage to your vehicle due to a collision with another object, such as another car, a tree, or a guardrail, regardless of who is at fault.](https://hs.openroadautoinsurance.com/collision?hsLang=en) #### [![Uninsured Motorist Coverage](https://hs.openroadautoinsurance.com/hubfs/-_Uninsured%20Motorist-1.svg) Uninsured & Underinsured ![](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/Vector.svg) Protects you if you're in an accident with a driver who does not have insurance, or when the at-fault driver has insufficient insurance to cover damages.](https://hs.openroadautoinsurance.com/uninsured-motorist?hsLang=en) #### [![Comprehensive Coverage](https://hs.openroadautoinsurance.com/hubfs/-_Comprehensive-1.svg) Comprehensive Damage ![](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/Vector.svg) Covers damage to your vehicle caused by events other than collisions, such as theft, vandalism, natural disasters, or falling objects. ](https://hs.openroadautoinsurance.com/comprehensive?hsLang=en) #### [![Auto Personal Injury Coverage](https://hs.openroadautoinsurance.com/hubfs/SVG_Personal%20Injury-1.svg) Personal Injury Coverage ![](https://hs.openroadautoinsurance.com/hubfs/raw_assets/public/OpenRoad/images/Vector.svg) Auto Personal Injury Protection is insurance that pays for medical expenses and, in some cases, other costs resulting from a car accident.](https://hs.openroadautoinsurance.com/personal-injury?hsLang=en) [ Explore All Coverages ](https://hs.openroadautoinsurance.com/our-coverages?hsLang=en)