High Value Vehicle Insurance
When your vehicle is expensive to replace, hard to repair, or not easily comparable to a standard car, the details matter. High value auto insurance is about getting the right settlement options, the right repair outcome, and the right liability protection, without gaps or surprises.
Why High Value Vehicles Need a Different Approach
Repair realities
Luxury and performance vehicles can require specialized parts and certified repair facilities. That can affect repair timelines, rental needs, and how claims are handled.
Settlement expectations
If the vehicle is written off, you want the settlement to match what you actually expected when you bought it. We'll review depreciation protection options where available, and make sure limits and endorsements are aligned.
Higher liability exposure
Higher value vehicles often come with higher overall exposure. We'll help you choose an appropriate liability limit and discuss umbrella options.
Coverage That Matters Most
Liability
You could be held responsible for injuries and property damage in a collision. This part of your policy helps cover legal fees, settlements, and court awards. We typically recommend $2M to $5M liability for high value vehicles, and higher limits may be available.
Collision
Collision pays to repair your vehicle after an accident. We'll recommend a deductible that fits your comfort level, keeping in mind repair costs can be significant.
Comprehensive
Covers damage beyond your control such as fire, theft, vandalism, water damage, and flying debris. For high value vehicles, theft coverage and storage details matter.
Rental car coverage
Loss of use coverage can provide a rental vehicle or transportation allowance while your vehicle is being repaired due to an insured loss. For higher-end vehicles, we'll also discuss expectations around rental type and limits.
Liability
You could be held responsible for injuries and property damage in a collision. This part of your policy helps cover legal fees, settlements, and court awards. We typically recommend $2M to $5M liability for high value vehicles, and higher limits may be available.
Collision
Collision pays to repair your vehicle after an accident. We'll recommend a deductible that fits your comfort level, keeping in mind repair costs can be significant.
Comprehensive
Covers damage beyond your control such as fire, theft, vandalism, water damage, and flying debris. For high value vehicles, theft coverage and storage details matter.
Rental car coverage
Loss of use coverage can provide a rental vehicle or transportation allowance while your vehicle is being repaired due to an insured loss. For higher-end vehicles, we'll also discuss expectations around rental type and limits.
Your insurance should keep up with you.
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Key Things to Know
Depreciation protection is worth reviewing on newer high value cars
If your vehicle is newer, we'll review options that protect against depreciation so you're not settling for depreciated value after a major loss early in ownership.
Theft and claims handling need to be realistic
We'll review theft-related limitations, storage expectations, and any anti-theft requirements that can affect eligibility and pricing.
Liability should match your exposure
We'll show you the cost difference between $2M, $5M, and higher limits, and discuss umbrella options if it fits your overall picture.
Depreciation protection is worth reviewing on newer high value cars
If your vehicle is newer, we'll review options that protect against depreciation so you're not settling for depreciated value after a major loss early in ownership.
Theft and claims handling need to be realistic
We'll review theft-related limitations, storage expectations, and any anti-theft requirements that can affect eligibility and pricing.
Liability should match your exposure
We'll show you the cost difference between $2M, $5M, and higher limits, and discuss umbrella options if it fits your overall picture.
Optional Coverages to Consider
These are the add-ons that most often separate a standard auto policy from a high value auto policy. We'll recommend what matters for your vehicle and how you use it.
Frequently Asked Questions
Do I need special insurance for an expensive car?
Not always special, but you do want a policy that fits the vehicle. The difference is usually in settlement expectations, depreciation protection, theft considerations, and making sure deductibles and limits match the real cost of a claim.
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