Hot Rods To Restomods

 In Uncategorized

Back in the ‘40s and 50’s the term was Hot Rod. In my opinion that term has lived on and has been synonymous with cars from that era. Over the years we have seen customs, day-two add-ons, low riders and cruisers, Prostreet, and Tuners. Today there are Restomods that get mods, short for modifications. Thankfully there are collector car insurance policies that will cover any of these vehicle types and everything in between.

Here is a nice breakdown;

Hot Rods and Street Rods

Typically pre-1950 American vehicles with large engines, detailed paint jobs and structural modifications.

Resto Mod

Classic vehicles with a modernized drive train and safety features.


High horsepower vehicles that are tubbed and caged

Custom Cruisers

1960s and newer big-bodied vehicles with 22” rims or 100-spoke wheels, hydraulics or airbag suspensions.

Custom Imports/ Tuners

Generally 1980s and newer Japanese and European cars with performance and/or aesthetic upgrades.

Kick things off with a quote here, that will lead to an application for coverage. – Jake

Additional coverages built for modified vehicles 

Cherished Salvage®

If a covered total loss does happen and you want your vehicle to live on – to rebuild, for parts, or for personal reasons – with Cherished Salvage you can keep it and still receive its Guaranteed Value. No salvage value will be deducted from your final payment if you choose to retain your vehicle*. Cost is 15% of your vehicle’s physical damage premium.

Spare Parts

Your policy through Hagerty automatically includes $750 of comprehensive coverage for spare parts. Additional coverage is available beginning at just $1.

Automotive Tools

Coverage for personal tools used to maintain your modified vehicle including toolboxes, storage cabinets and accessories.


Includes any historic or collectible automobilia items such as posters and signs, gas pumps, model cars, license plates and much more.


* Any deductible and/or salvage value if vehicle is retained by you will be subtracted from the total amount paid. Guaranteed Value includes all taxes and fees unless prohibited by state law.

Policies subject to final underwriting. Insurance carrier determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements. Octane Road Insurance Brokerage DBA- Octane Road Jacob Mayne Agent.


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