Frequently Asked Questions

What Traction Does

There are a lot of agents who say they know cars, but how many of them really do?  How many specialize in just cars for serious enthusiasts? We’re experts because it’s all we do.

Will my policy cost extra through Traction?

No! We don’t mark up the cost or charge any additional fees. The price you pay with us is the same as you’d pay with the carrier directly but with the advantage of having an advocate that works for you and helps you navigate. We will do our best to make sure you have the best coverage at the best prices available.

What carriers do you work with? Are you a carrier?

We are not a carrier.  We are agents who help match enthusiasts with underwriting companies.  We have over a dozen specialty enthusiast insurance carriers.  Your typical agent may only have 1-2 and may only place a handful of enthusiast cars a year.  We place 100s!

Can you cover my daily driver or non-enthusiast cars? How about my home?

Traction only offers specialty policies for car enthusiasts. 

In select states for those in highly qualified situations,  we have programs for daily driven enthusiast or modified cars, usually up to about 10,000 miles a year in use. 

In some states we can offer stated value policies if you do not qualify for an agreed value policy or exceed 10,000 miles of use.

We also offer Umbrella, trailer and motorcycle policies with a qualified enthusiast insurance policy.

Traction does non-enthusiast or other daily use vehicles for those who qualify for our private client services, and only in select states.

Traction does not cover homes, and we do not offer non-automotive related coverages.

Do you offer liability only policies?

Traction generally offers full coverage agreed value only for street driven/registered vehicles.  In select situations where agreed value is not available, we may offer stated value policies.

However, for non-street driven race, track or show cars we do have agreed value programs for comprehensive only (storage only)  or comprehensive with limited collision (trailered vehicles).  

For select private clients more flexible coverage offerings may be available.

What kind of policies do you offer?

Traction offers specialty insurance products aimed at solving the needs of car enthusiasts.  

What Traction Gets Covered

From weekend cars to track/race cars, Lowriders to classics.  If its a car for car people, we try to get it covered.

My car isn't a typical collector car, can you still help me?

Yes!  Depending on your use and situation we help all kinds of non-typical enthusiast and collector cars get coverage.

My car is a kit, replica or converted race car, can you really get it covered for driving on public roads?

Yes!  While every situation is unique, in most cases we can get you insurance even if you car is not a typical street driven car.  And while we can help ensure you have coverage, we cannot guarantee your state will accept your registration for non-insurance reasons.

Can you help me with my get coverage for my JDM or other imported car?

Yes!  We have partners who actively want JDM import business and seek out those kinds of cars to cover.  Short VIN, gray market or any other kind of import.  Even Kei cars, truck, and vans.

Can I get covered for on street and on track in a single policy?

We can help you get coverage for your car on the street and on the track.  It almost always will be two separate policies, but we regularly help get our customers coverage for both driving on public roads and on the track.

What Are The Requirements To Get Covered?

What are the requirements for your on street coverage programs?

Is A Garage Required?

In most cases we have programs for nearly any kind of secured, indoor storage.  In most states and in many situations, driveway, car port and other private outdoor storage can be considered.

Parking lots (even secured), parking decks/garages and street parking is usually never accepted.  

Is there any age requirement?

Traction can help select youthful (under 25) drivers in select situations.  Generally youthful drivers would not qualify for our daily driver programs.  Also, youthful drivers generally must have their own insurance policy with a qualifying daily driver for each member of the household not including the vehicle requesting coverage on.

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OUR OFFICE

227 Sandy Springs Pl
Suite D164
Atlanta, GA 30328
(404) 551-4427

© 2024 Traction Insurance Agency, LLC

 Georgia License #227879

A wholly owned subsidiary of Homefield Equity, LLC

Quotes are estimates and subject to change.  Coverage is not guaranteed and not all drivers, cars or situations will qualify.  Coverage and policies are described in general terms.  Availability and coverage may vary by state and carrier.