Business Details
17 Years
experience
Your Trusted Collector Car Insurance Partner in Bowling Green, KY
NCM Insurance Agency was founded in 2009 with a clear mission to become the leading provider of client-focused collector car insurance. As part of the National Corvette Museum family, we specialize in Agreed Value Protection for collector vehicles, ensuring clients nationwide receive tailored coverage that respects the unique value of their prized possessions. Our expertise extends to High-Performance Driving Event (HPDE) insurance, car club liability, and directors and officers coverage, reflecting our deep understanding of automotive enthusiasts' needs.With over 15 years of combined experience among our team members, we prioritize personalized service, expert claims handling, and flexible policies designed for true car aficionados. Our commitment to transparency, competitive pricing, and exceptional customer support has earned us a strong reputation in the collector vehicle community.
Services
Collector Car Insurance
HPDE Coverage
Car Club Liability
Umbrella Policies
Agreed Value Protection
Details
- Year established: 2009
Highlights and features
- Agreed-Value Coverage guarantees pre-determined vehicle value with no depreciation.
- Freedom to choose your preferred repair shop for claims.
- Cost-efficient rates compared to standard auto policies.
- Expert claims service with dedicated adjusters.
- Flexible deductible options from $0 to $10,000.
Associations and certifications
- A.M. Best Company (A+ rating)
What people say
Great service
Timely responses
Easy process
Professional
Courteous service
Services
Collector Car Insurance
Specialized insurance for collector vehicles ensures Agreed Value Protection, guaranteeing pre-determined compensation without depreciation. This service caters to classic, vintage, and exotic cars stored in secure environments, offering flexible mileage options and spare parts coverage. Ideal for automotive enthusiasts seeking tailored protection for prized possessions.
HPDE Coverage
High-Performance Driving Event insurance protects vehicles during track days and motorsport events. This coverage includes physical damage protection while on race course premises, with options for single or multi-event policies. Designed for drivers participating in structured HPDE programs requiring specialized risk management solutions.
Car Club Liability
Liability insurance for automotive clubs provides protection for organized events and gatherings. This service covers directors, officers, and members during club activities, offering customizable policies for car shows, parades, and other enthusiast events across the United States.
Umbrella Policies
Personal umbrella policies increase liability coverage beyond standard auto and homeowners insurance. This service offers additional protection against lawsuits or judgments, providing financial security for collectors with significant assets requiring enhanced risk management strategies.
Agreed Value Protection
Agreed Value Protection guarantees pre-determined vehicle value compensation in total loss scenarios. This service eliminates depreciation concerns for collector vehicles, with Stated Value options available during restoration phases. Ensures accurate valuation for both completed and in-progress collector car projects.
People
Adam Boca
Executive Director
With lifelong passion for collector vehicles, Adam brings extensive automotive industry experience to NCM Insurance. His leadership focuses on creating client-centric insurance solutions for classic car enthusiasts nationwide.
Sam Milam
Business Development Lead
As a Bowling Green native, Sam combines local automotive culture knowledge with insurance expertise. He specializes in connecting collectors with cost-effective coverage solutions tailored to their unique needs.
Lorrie Carta
Client Support Specialist
With 25+ years of customer service experience, Lorrie provides expert support for policyholders. A car enthusiast herself, she understands collectors' needs through personal experience with her family's 1967 Camaro.
Sharon Smith
Insurance Agent
Sharon combines C2 and C6 Corvette ownership with insurance expertise. She excels at connecting with clients about automotive passion while providing tailored coverage solutions for collector vehicles.
Joe Petty
Insurance Agent
Growing up in Bowling Green with a mechanic father, Joe developed deep automotive knowledge. His experience with car shows and Corvette appreciation informs his specialized collector vehicle insurance guidance.
Questions
What collector vehicles qualify for coverage?
We insure classic cars (1950-1984), antiques (pre-1949), exotics (high-performance models), and special collectibles from 1985-present with unique features or low production numbers.
Can I drive my collector car to work occasionally?
Yes, our Occasional Commuting Endorsement allows driving to work up to two times weekly with prior approval, balancing protection and practical use for enthusiasts.
How does the claims process work?
We assign dedicated claims adjusters who guide you through the process, allowing choice of preferred repair shop and providing personalized support for seamless resolution.
Do you offer coverage for track events?
Yes, our HPDE insurance covers physical damage during approved track events. Standard collector policies exclude track use but we provide specialized coverage options for motorsport participants.
What payment methods do you accept?
We accept MasterCard, Visa, and Discover for policy payments, offering convenient options for our clients while maintaining secure transaction processes.
How are vehicle values determined?
We use Agreed Value Protection where we pre-determine your vehicle's value without depreciation. For restorations, Stated Value applies until 80% completion when Agreed Value takes effect.
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