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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What is different about Rally Insurance Group?
  2. Does Rally Insurance write other types of policies besides Collector Auto?
  3. What Collector Auto Insurance Companies do you represent?
  4. What are the limitations of usage on Collector Policies?
  5. What is the difference between Stated Amount Coverage and Agreed Value Coverage?
  6. How old does a car have to be to qualify?
  7. What mileage plans are offered with the Collector Auto Insurance?
  8. Do any of the Collector Auto Policies have payment plans?
  9. Do you require that my Collector Car be garaged?
  10. Will you write a Kit Car in the process of assembly?
  11. Will you provide coverage for a Dune Buggy?
  12. Can you provide coverage for a Pro-Street vehicle?
  13. Do I have to have a spotless driving record?
  14. Do you accept Broker business?
  15. Are you able to provide coverage for custom & antique motorcycles?
  16. How do I value my car?
  17. How do I value my home or market value?
What is different about Rally Insurance Group?
We are an Independent Insurance Agency that specializes in Collector Car Insurance. We represent many different Companies and so we are able to shop your insurance with our many markets. We do not tell you how to use your car, we advise you of your options.


Does Rally Insurance write other types of policies besides Collector Auto?
Yes, we are a full service agency. We are able to provide the following: Homeowners Renters Dwelling Fire (rental property, vacation rental) Auto Insurance Umbrella Motorcycle RV Watercraft Snowmobile Business Insurance Health Insurance (Individual & Group) Life Insurance Dental 


What Collector Auto Insurance Companies do you represent?
American Modern Home Insurance Company Continental Western Classic Collectors (Infinity Insurance Co) Safeco Insurance Company Chubb Insurance Company Haggerty Collector Auto American Collectors 


What are the limitations of usage on Collector Policies?
Different Companies allow different types of usage. The standard requirement is that the Collector Car is a secondary vehicle in the household. The car is used mainly for pleasure and is driven driven with a more limited mileage. 


What is the difference between Stated Amount Coverage and Agreed Value Coverage?
An Agreed Value policy will list a value for your Collector Car and if you have a total loss the Insurance Company will pay that amount as listed on the policy. A Stated Amount Policy will list a value for your Collector Vehicle but says that it will pay whichever is LESS the Stated Amount or Actual Cash Value. This means that if you have your car listed with a $20,000 value and the company feels that the value of your car at the time of the loss is $15,000, they will pay the $15,000 not the $20,000.


How old does a car have to be to qualify?
We will consider all ages. We can provide coverage for cars that are up to current year. This is true whether it is stock or modified. Cars less than 10 years old must be sports, muscle, modified or limited production to qualify. 


What mileage plans are offered with the Collector Auto Insurance?
We currently have companies that offer the following mileage plans: 1,000 miles or less 3,000 miles or less 5,000 miles or less 6,000 miles or less No defined mileage plan


Do any of the Collector Auto Policies have payment plans?
Yes, among the pay plans availble: Quarterly Monthly EFT Monthly Semi Annual Annual Credit Cards are accepted Pay plans vary greatly by Company. If you are interested in a specific plan, please advise. 


Do you require that my Collector Car be garaged?
Most of our companies require that your is garaged in a fully enclosed locked garage. On a case by case basis some exceptions are allowed.


Will you write a Kit Car in the process of assembly?
Yes, we are able to provide coverage for a vehicle in progress. This is not available in all states.


Will you provide coverage for a Dune Buggy?
Yes, we will write a Dune Buggy. In order for us to consider writing a Dune Buggy, it must be street legal. 


Can you provide coverage for a Pro-Street vehicle?
Yes, we will write all types of custom & modified cars. Some of the types of modifications that we can consider are: NOS (Nitrous) Roll Cage Roll Bar Harness Seatbelts 


Do I have to have a spotless driving record?
We are not able to write anyone with a major violation in the past 5 years. We do allow some minor violations or accidents but anything more than 1 is done on a case by case basis. It is best to call if you have any doubts or acceptability.


Do you accept Broker business?
Yes, we do! If you would like to be set up as a broker, please call our office at 800-801-1823


Are you able to provide coverage for custom & antique motorcycles?
Yes, we are able to place coverage for all kinds of motorcycles including the custom or antique. 
 
How do I value my car?
Click here to use our valuation tool. This is a tool that is used for valuation but the value can be reviewed.
 
How do I value my home or market value?
Click here to use our valuation tool. This is a tool that is used for valuation but the value can be reviewed.
 

Our Location

Rally Insurance Group Inc.

31632 N Ellis Drive, Unit 112
Volo, IL 60073
Main office: 630-617-9960
Toll free: 800-801-1823

Our Providers

This is a company that is easy to work with and really invested in their community.
Thomas F.
Excellent customer service! Kelsey is super helpful and patient. She explained my quote and the various plan options clearly. Very professional!
Wei Z.
I am a recent college graduate and had no experience with insurance period. Lars made my whole experience great and he found me an great deal on my auto insurance. I would recommend them to anyone.
Kyle N.
They are awesome! Very helpful and no problems. Highly recommend this company.
Melanie K.