Luxury car insurance includes an OEM-parts repair guarantee, the owner's choice of body shop (or an insurer-recommended quality shop), high or no daily limits for loss-of-use coverage, an agreed-value endorsement so the settlement value is known at policy issue, and a limited waiver of depreciation that ensures the vehicle is replaced with the current make and model.

Luxury car insurance takes into account several factors when determining the policy and coverages. Factors include the vehicle year, make and model, high-performance elements, and vehicle value (generally $100,000 or more). Here are some vehicles that are generally considered to be luxury vehicles in the auto insurance world:

• Rolls Royce
• Ferrari
• Maserati
• Aston Martin
• Porsche
• Bugatti
• Range Rover
• BMW
• Audi
• Lexus
• Bentley
• Mercedes-Benz
• Lamborghini
• Jaguar

Luxury car insurance is coverage curated especially for high-value, exotic, and specialty classic cars and their owners. Luxury car insurance is a distinctive and specialty product within the car insurance market.  It focuses on protecting vehicles by recognizing their value and special requirements. It is important to insure your luxury vehicle with the help of high-end vehicle insurance experts.

Luxury vehicle owners require specialty high-value car insurance to adequately protect them and ensure their vehicles are repaired in a way that doesn't damage their value. Quite apart from standard auto insurance, luxury auto insurance offers many extra features, each tailored to the owners of high-performance exotic cars.

If you own a car worth $100,000 or more, you should have a luxury car insurance policy that protects your investment. Insuring a luxury automobile has unique requirements, and you don’t want to insure your vehicle with a standard auto policy.

If you have an accident or your vehicle is stolen, you do not want your luxury vehicle to be underinsured. Nor do you want to go through a tedious claims settlement process. As a high-value car owner, you need to be insured with an insurance company with a careful approach towards underwriting high-value car insurance, and that has your best interest in mind in the event of a loss.

We know that price matters. We want you to save as much money as possible on your high-value car insurance. Here are some ways to save:

• Keep a clean driving record/abstract
• Get a claims-free discount
• Install security/anti-theft devices
• Pay in full once annually
• Select a higher deductible
• Purchase more than one line of insurance from the same insurance company. This is often called bundling.
• Get a multi-vehicle discount
• Get a retiree discount
• Get a loyalty discount
• Complete driver training
• Sign up for a good driving program. Drive safely and save. These programs provide financial rewards – through reduced auto insurance premium costs - for good drivers. Several companies offer these programs. Enjoy savings of up to 10% immediately when you sign up and save up to 30% for driving safely. A luxury car insurance specialist will explain the programs' details and rewards.

Luxury car owners need insurance that protects their vehicles by recognizing their value and special requirements. Prestige car insurance brokers are experts at determining what type of luxury car insurance you need.  These specialist brokers know which insurance companies offer coverage for high-end vehicles. They know the products, extra features, and ways to help you save. Your best bet is to speak to a luxury car insurance broker.

Intact Presitge, Chubb Insurance, and Aviva Insurance are specialty markets for luxury automobiles. Each of these companies specializes in insurance products and services to meet the needs of luxury car owners.