Agreed Value Policies For
Daily And Regular Use Vehicles

True Replacement Value For Your Enthusiast Car, Even If You Drive It Regularly

Most collector and enthusiast insurance companies won't insure a regular use vehicle on an agreed value basis. But at Shift Brokers we have options for qualifying drivers and vehicles, even when it is used regularly up to daily use.*

* In select states and for well qualified drivers and situations.

  • Agreed Value Coverage Options

    Options for agreed value coverage for eligible drivers and situations up to regular use.

  • Get True Replacement Value

    Know you'll get true replacement value in event of a loss.

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All quotes are no obligation.  We only disclose your information to companies we request quotes from and never sell it to third parties.

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Why An Agreed Value Policy

We Can Help You Determine If An Agreed Value Policy Is Right For You

  • Any high value vehicle or appreciating vehicle

  • Significant enhancements i.e. engine swap, modifications

  • Unique vehicle where determining the value may be difficult

  • Anytime there may be a question about the value of your vehicle.

Why Get An Agreed Value Policy?

Get True Replacement Value

Don't leave the value of your vehicle up to the insurance company. Agreed value policies let you come to an agreed valuation for your vehicle up front. It can help save you from a headache regardless of which parties insurance is responsible.

  • Determine Value Upfront

    In the event of a loss you won't need haggle over the value.

  • Not Just For Classic Or Old Cars

    An Agreed Value Policy might be right for even if your car is not a traditional classic or old car.

  • Better Coverage

    Agreed value generally provides more financial protection than traditional cash value policies.

  • Easy Quotes

    Get quick, easy quotes from multiple companies.

Have Questions? We've Got Answers.

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About Agreed Value For Regular Car Policies


As a car enthusiasts, an Agreed Value Policy can help you avoid complications in the unfortunate event of a loss.  Rather than waiting until there is an event to determine the value, it can be agreed to upfront.  Most traditional insurance companies use the Actual Cash Value method.  Some may even have an offering that lets you “state” the value.  But be careful with these Stated Value policies, as they do not necessarily ensure you and the insurance company agree on the value at the time of loss.

Agreed Value Policies aren’t just for traditional classic cars.  Modern classics, cars likely to appreciate or those with intrinsic value all may be good fits for an agreed value policy.  


About Shift Brokers

Shift Brokers specializes in helping car enthusiasts find the right insurance – for the the street, while on track, for show and everything between. Plus, we’re car and track people ourselves. We’ve combined our passion and our expertise so that you can get insurance from people who really understand the emotional and financial value of the car you’re trying to protect.

We can help you proactively get the right coverage and valuation for your enthusiast vehicle. We work nearly a dozen enthusiast focused insurance carriers, including Hagerty, OpenTrack, American Modern and more. We can also help with valuation and policy changes even if you are not up for renewal.

Shift Brokers is based in Atlanta, GA.  We are an independent insurance brokerage focused on the unique needs of car enthusiasts.  Policies described are offered and underwritten by insurance providers we work with.  Coverage is not guaranteed and not all drivers or cars will qualify.  Quotes are estimates and subject to change.