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.
Luxury and performance vehicles can require specialized parts and certified repair facilities. That can affect repair timelines, rental needs, and how claims are handled.
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 value vehicles often come with higher overall exposure. We'll help you choose an appropriate liability limit and discuss umbrella options.
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 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.
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.
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.
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 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.
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.
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.
Start an auto quote today, we'll shop with multiple carriers to provide you with the best quote possible.
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.
We'll review theft-related limitations, storage expectations, and any anti-theft requirements that can affect eligibility and pricing.
We'll show you the cost difference between $2M, $5M, and higher limits, and discuss umbrella options if it fits your overall picture.
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.
We'll review theft-related limitations, storage expectations, and any anti-theft requirements that can affect eligibility and pricing.
We'll show you the cost difference between $2M, $5M, and higher limits, and discuss umbrella options if it fits your overall picture.
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.
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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