Classic and Collector Car Insurance Coverage for Your Collection
Protect Your Classic and Collector Vehicles
Owning a classic or collector car is about more than the drive, even more than one car, it's pride, a hobby, the history, and a major investment for your hard work you’ve preserved. Don't settle for a standard auto policy that undervalues your vehicle.
Collector car insurance is perfect for vintage vehicles that are typically older (often 20+ years old) rare, historical importance, or highly valued. It protects both the vehicle and the investment.
Classic car insurance is designed for those vehicles (typically 20-25 years or older), limited-use cruisers, and special-interest cars-including modified vehicles. Classic Auto Insurance is similar to a personal auto policy but with an Agreed Value, Coverage for specialized repairs and parts, among other endorsements.
Gateway Insurance offers specialty programs with flexible agreed value, multi-car discounts, protection during storage and your custom features, transport, shows, and more.
Eligibility & Requirements-What We'll Ask For
An inventory list of all vehicles you want covered (including year, make, model, VIN)
Photos of each car (all angles, interior, unique features
Stored in a secure, enclosed garage or facility
Details on how vehicle is used, is there a daily driver, used for shows, and meets
Details on seasonal usage and mileage
Good driving record for all operators
Any automobilia, spare parts, or restoration items to be insured
If you have questions about your unique ride, just ask, our team! We’ll explain the requirements up front and help you determine the coverage you need.
Features Tailored for your Classic and Collectable Vehicles
Agreed Value Coverage
You and the carrier agree on a value for each car
Flexible Usage
Enjoy pleasure drives, cruise-ins, and shows-policies can include trailering, event coverage, and more.
Spare Parts & Restoration
Cover spare parts, automobilia, and even vehicles under restoration-ask us how to customize your policy.
Collection & Multi-Car Policies
Insure multiple collector vehicles under a single policy with streamlined billing and management
Transport & Storage
Protection while moving cars to events or keeping them in secure storage all winter.
Carrier Choice
Gateway offers several carriers, plus local support from a team who understands your needs.
Benefits of Classic Car Insurance
Further specialized coverages include (common options on a Classic Auto Insurance Policy, but it depends on the company and may not be offered at all):
Increased replacement cost: If your car increases in value beyond its agreed value, this coverage will pay for the difference.
Roadside assistance: Including towing only with a flatbed tow truck to prevent wear and tear while transporting to a repair shop or back home.
Auto Show medical reimbursement: In case someone sustains an injury at an exhibit or event featuring your car.
No attendance required: Provides coverage while you are away from your vehicle as it is being displayed, such as at a car show.
Spare parts coverage: Covers damage or theft of spare parts like tires, valves or other gear, as part of a covered incident.
Cash settlement option: If your car is totaled or stolen, you can opt to take a cash payment without the requirement that you use it to repair or replace your vehicle.
Car Types
Different to other collectables and antique items, a collectable car is not defined by its age. Rather collectable cars can be cars with historical importance, cars that pioneered new technology or raised the standard of consumer expectation.
When looking at insurance coverage, the following are the predominant categories:
Exotic
Antique
Muscle Car
Classic Cars
Collectable
Rarity
Design
Modified car insurance: Defined by many companies as being significantly altered in its engine, body, chassis or interior from its original condition, which can negatively or positively change the value.
Classic and Collectable Car Insurance-Your Questions Answered
What qualifies as a collectible car for insurance?
Vintage, muscle, exotic, modified, or limited-production vehicles can all qualify. Ask us if you're unsure!
Can I insure a car collection or classic cars under one policy?
Yes-most programs offer multi-car or collection policies for streamlined management.
Does Collectable or Classic car insurance cover spare parts and restoration?
Yes-spare parts, restoration projects, and automobilia can be covered. Let us know what you need.
What options do I have for collector car insurance?
Gateway represents several specialty carriers so you can compare and choose the best fit.
Is there coverage when I take by vehicle to an event?
Yes, there is protection during transport, shows, occasional pleasure driving, storage and more.
Simplify Your Collector/Classic Car Coverage-Let's Insure Your Full Collection
Protect the value you've built with guidance, we can compare multiple specialty options, document agreed values and manage all your vehicles with one trusted local team.