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.
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.
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!
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.
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.
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.
Yes! Depending on your use and situation we help all kinds of non-typical enthusiast and collector cars get coverage.
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.
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.
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?
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.
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.
Let's Get A Quote Started
Fast & Simple
- Just Need A Quote For A Single Car
- Stored And Registered At Primary Address
- Great For New Purchases
Fast quote form for a single enthusiast car.
All Options
- Request A Quote For Any Of Our Coverage Programs
- Collections, Multiple Cars, Out Of State Registration
- Limits Follow Up Questions
Don’t know or don’t feel one of the other options will meet your needs? Let’s do a full quote.
Fast But Detailed
Express Quote
- For Cars With Existing Coverage
- Uses Online Tool To Access Your Existing Policy
- Assumes Claim And Violation Free history
Share Declaration Page for a car with existing coverage and enter minimal additional information.