Having the right exotic car insurance is a great thing for you if you happen to own an exotic car. First, what is an exotic car? It sounds pretty abstract until you know what it really is. An exotic car is a unique vehicle, a luxury machine that you would not see on the road everyday, a car (often foreign-made) with striking power under the hood – for example, a Ferrari would be classified as an exotic car. If your can fits in that category, exotic car insurance is the best way to go when it comes to protecting your vehicle.

 

Top Benefits of Having Exotic Car Insurance For Your Vehicle

 

  • Agreed value, sometimes called guaranteed value, means that you and your insurance company have agreed on the value of your exotic car and have agreed on the amount you will receive in the event that something happens to your vehicle to render it a total loss. Your exotic car is too valuable to risk not having agreed value established; regular auto insurance policies usually insure vehicles based on actual cash value, allowing depreciation to decrease that value of your exotic car like a regular, everyday vehicle. Since your exotic car is a collector vehicle, agreed value protects your car from being valued as a regular vehicle instead of the treasure it is. Agreed value can be a game-changer for you and your exotic car.

 

  • Exotic car insurance coverage gives you various claims options and the protection that fits your exotic car’s needs. While none of us want issues to come up or accidents to happen to our vehicles, we cannot know what will happen down the road, and your exotic car is far too dear to you to not give it the best care. Fortunately, exotic car insurance takes into account the unique features and aspects of your vehicle and can help you protect it when unpleasant situations do comes up. If you find yourself in a situation where you have a shattered headlight or a broken windshield, you don’t want to be counting on the type of standard car insurance that would fit your everyday car just fine. Your exotic vehicle, because of its high-end nature, costs more to fix with the right materials, and you want a mechanic who truly understands your vehicle and knows how to repair it correctly. These are all important facets of having the right coverage, and it is not something to overlook; the way your car is repaired can make or break it.

 

  • The right coverage gives you year round coverage. You may live in a place that has year-round sunshine or an area that snows four months out of the year, but no matter where you live, exotic car insurance gives you year-round coverage. This is invaluable, as you don’t want to be limited to only part of the driving season. When you give your vehicle the coverage it needs, you are setting yourself up for years of enjoyment with your exotic car – and it allows you to relax and enjoy the moment.

 

  • Exotic car insurance usually offers lower premiums than a regular auto insurance policy from a standard insurance market. An exotic car insurance policy acknowledges the unique value that your exotic vehicle has. While every case varies, you will likely be paying less for exotic car coverage than you would with a standard car insurance policy, so that is just icing on the cake. The coverage you need for a likely lower premium is a match made in heaven.

 

You didn’t buy your exotic car just so you could worry about it, did you? No, you didn’t. You bought it so that you could fulfil your dreams and enjoy it. Your car deserves the best, and you can ensure that you get the exotic car insurance policy that protects your vehicle and gives you peace of mind.

The Coverage Your Exotic Car Deserves


Your exotic car is a remarkable, beautiful thing, and it is something you have poured your heart and soul into. You want only the best for it, and we believe that is only right. You can contact us today at (800) 787-7637 and we can help you find the right exotic car insurance policy for you and your vehicle.