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services for individuals

Classic Car Insurance

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The Importance of Classic Car Insurance

Preserve Your Passion: Classic Car Insurance

Classic cars require specialized insurance coverage that reflects their unique status and value. Unlike standard auto insurance, classic car insurance is tailored to address the specific needs of antique, vintage, and collector vehicles. At Wright-Gardner, we provide comprehensive coverage that safeguards your investment and allows you to enjoy your classic car with peace of mind.


Our classic car insurance includes agreed value coverage, which means you and our experts agree on the value of your vehicle, ensuring you receive full compensation in case of a total loss. Additionally, our policies offer protection for spare parts, coverage during car shows and exhibitions, and options for mileage limits that reflect your usage patterns.

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Flexible Usage and Storage Options

Our policies offer flexibility in usage and storage, catering to the unique needs of classic car owners. Whether you drive your car regularly or only for special events, we provide coverage options that align with your lifestyle and ensure your vehicle is protected both on and off the road.

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Agreed Value Coverage

Unlike standard auto insurance, which uses actual cash value, our classic car insurance policies are based on agreed value coverage. This means that you and our experts agree on the value of your vehicle upfront, ensuring you receive the full insured amount in case of a total loss.

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Coverage for Spare Parts and Accessories

Classic car ownership often involves collecting rare and valuable spare parts and accessories. Our insurance includes coverage for these items, protecting your investment in maintaining and enhancing your vehicle.

  • What qualifies a vehicle for classic car insurance?

    Generally, classic car insurance is available for vehicles that are at least 20-25 years old, well-maintained, and used primarily for car shows, exhibitions, and occasional pleasure driving. Our experts will help determine if your vehicle qualifies.

  • Can I customize my classic car insurance policy?

    Yes, at Gardner-Wright, we offer personalized insurance solutions tailored to your specific needs. This includes selecting coverage options and limits that reflect the value and usage of your classic car.

  • How is the value of my classic car determined?

    The value of your classic car is determined through an agreed value process. You and our experts agree on the vehicle's value based on its condition, rarity, and market trends, ensuring you receive fair compensation in the event of a loss.

  • Are there any restrictions on driving my classic car?

    Classic car insurance policies may include usage restrictions, such as mileage limits and requirements for storage in a secure garage. These details will be customized to your specific needs and usage patterns.

get the right coverage today

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Comprehensive Protection Awaits

Wright-Gardner Agency is dedicated to providing exceptional classic car insurance solutions tailored to your unique needs. With over a century of experience, our boutique agency offers unparalleled personal service and expert advice, ensuring your complete satisfaction.

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