1) Yes, it's covered by homeowners insurance. But it never hurts to have auto insurance also. A big NO to regular auto insurance. It's too expensive. Plus, if anything happens to it they'll give you blue book value. Classic car insurance can be insured to the value of what you estimate its worth as long as you don't give an outrageous amount.
2) As far as towing, ask around and see if anyone you know has AAA. Then it can be towed for free up to 100 miles. Then, I think it's like $1.10/additional mile.
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'68 C10 swb
'69 Camaro convertible
'72 Chevelle
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