CHROME Classic Car Insurance Review

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If you are a classic car enthusiast, you are probably aware that the standard auto insurance policy can be inadequate to address unique situations of owning a classic or antique automobile. These vehicles may be driven only a few miles a year to car shows or perhaps not at all. In addition, the value and replacement costs for classic automobiles can sometimes far outweigh those of a standard-use auto.

For these specific needs to be addressed, you may want to buy a classic car insurance policy. One of the top classic car insurance companies is CHROME Classic Car Insurance.

Company Overview

Chrome Classic Car Insurance is part of ANPAC which is a subsidiary company of American National Insurance Company, a family of companies providing personal and business insurance as well as financial products since 1905. American National Insurance Company has an “A” rating with insurance rating organizations A.M. Best and Standard & Poor’s Financial Services, LLC. The company also has received numerous customer service awards and has an “A+” rating with the Better Business Bureau.

Policy Features

Not every car qualifies under CHROME’s classic auto insurance policy. To qualify, a car must be at least 25 years old and have been restored to original condition. If a car is original and unrestored, it must be at least 25 years old.

For modified and custom classic cars, the value must exceed $50,000. For cars that qualify, CHROME offers these policy features:

  • Agreed Value Coverage: In a covered total loss, you will receive the vehicle’s value with no depreciation less your deductible.
  • Generous Annual Mileage: Annual mileage allowance of 10,000. An unlimited option is also available for owners who drive their cars more.
  • Roadside Assistance and Flatbed Towing Option: Coverage for mechanical breakdowns, gas outages, locked-in keys and flatbed towing. The coverage is 24/7.
  • Repair Facility Choice: You are not restricted to your choice and may pick any repair facility to repair your vehicle when it is damaged in a covered accident.
  • Spare Part Coverage: Replacement cost of up to $1,000 for spare parts.
  • Common Cause of Loss Deductible: If you have both your home insurance and auto insurance through ANPAC, you can use the same deductible if you have damage to both caused by the same event.


  • Collector’s DiscountThis discount grows with the number of classic cars on your policy up to 85%. To qualify, more than one vehicle must carry liability coverage.
  • Fresh Start Discount: If you apply for coverage before your policy with your current company expires, you can receive a discount on your first six months of coverage.
  • Tri-Line Coverage Discount: The tri-line coverage discount applies for policy holders who have a vehicle, home and life insurance policy.

The Bottom Line

CHROME Classic Car Insurance is a part of ANPAC and parent company American National Insurance Company, a company with top financial strength and customer service ratings.

 If you have other insurance through ANPAC, you can receive some substantial discounts and savings of 25% or more off your total policy premium.

Annual mileage allowance is $10,000, which is a good amount for any pleasure driving you may want to do in your classic car.  If you drive your car more, an unlimited mileage option is also available. All in all, CHROME is a great option for antique car owners, especially those who have other policies through ANPAC and can receive the greatest discounts. Getting a quote online is a simple process and there is also an iPhone App available offering a classic car price guide, car show directory, photos and email features.

Contact Information

To receive a quote for CHROME classic car insurance, find a local agent or learn more about coverage options, you can visit the CHROME website or call American National’s Client Services Center at (417) 887-0220.

Customer service hours are Monday-Friday (7am to 8pm CST), Saturday (7am to 7pm CST) or Sunday (9am to 7pm CST).