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Luxury and Exotic Car Insurance Premium Options

Know The Value of Luxury and Exotic Car Insurance Premiums in California!

luxury and exotic car insurance

You’ve just purchased a beautiful new luxury car; an Audi, BMW, or perhaps a new Bentley, or you recently made a significant investment in a high-performance vehicle like a Ferrari, Lamborghini, or Lotus and now you need to ensure you have adequate insurance to cover this high-valued asset.

There are many factors to consider when comparing luxury and exotic car insurance plans in the Los Angeles, but Save-On Insurance Services has you covered with flexible solutions.

Not every insurance company is interested in insuring high value, exotic cars or classic cars, but that’s not the case with Save-On Insurance Services. We offer multiple options and programs; available for limited use or every day use. As an independent insurance agency, Save-On Insurance has access to exclusive programs designed to cover luxury and exotic vehicle insurance premiums at the best available rates in the market today.

In order to qualify for another special program we offer cars must not be driven every day. Known in the insurance industry as “limited use” cars, these are vehicles that would be used solely for periodic pleasure drives or weekend cars. Save-On can has access to these special programs offering high coverage at minimal cost because the companies they work with make it their business to focus just on these types of vehicles; it’s all they insure – all day, everyday. In addition to individual vehicle qualifications, the owner / driver must also have an “everyday car” insured through Save-On Insurance.

Save-on has been helping exotic car owners and owners of high-performance sport cars insure these beautifully crafted machines for less since 1985.


  • Mileage plan-1000, 3000, 5000 Annual miles plan
  • Deductible: zero, 250, 500, 1000, 2500, 5000, 10,000 or more
  • Liability limits: Can match exact liability limits of your primary auto policy
  • Agreed value or state amount value coverage
  • No value limit
  • All classic cars are acceptable regardless of age
  • Good driver discounts
  • No track coverage
  • Multiple tickets and/or accidents available for higher premium

Luxury Car Insurance with Save-OnInsurance

Keep reading for additional tips and deeper insight on what to look for when searching for comprehensive coverage of these powerful and beautiful machines, and how to find the best available insurance product rates today.


Luxury and exotic car insurance applies to certain brands and makes of cars, like Mercedes, Porsche and Rolls Royce that are a step up from an average, everyday automobile. These more expensive, high-end vehicles often mean higher insurance premiums; if you are in an accident while driving a luxury vehicle such as a sports car, where the more powerful the car, the riskier it is on the road, any replacement parts are much more expensive and rare. Luxury cars that are older are also often lacking updated safety features, such as airbags, making them even more dangerous. And of course, the more expensive the car, the more likely it is that it will be stolen.

However, there are insurance options available that make owning a luxury car more affordable.

For example, if your luxury vehicle is not the car you drive every day to work it could mean lower insurance costs. Driving a luxury car as a secondary vehicle or for pleasure can save you a lot of money by limiting the mileage on the primary vehicle. As a secondary vehicle, you must also have a car that you drive every day—or at least more often, and is also insured. This option may not be as exciting as driving a red sports car all day every day, but driving the luxury car for pleasure only will keep money in your wallet and make those drives more special.

Another money-saving tip is to only insure responsible, adult drivers on the luxury vehicle.

Teen drivers hike up insurance rates, as do high-risk drivers who have multiple offenses against them. The better driver you are, the lower your insurance rates. If you’re a fanatic about your luxury car, consider joining a luxury car owner club—it shows insurance companies you care more about your car than the average Joe, and you will drive it more carefully.

Saving money on insurance is a great perk, but as a luxury car owner you also have to know which kinds of insurance are most important.

  • Liability insurance covers you if you’re in an accident.
  • Collision insurance replaces and repairs your vehicle if it is damaged in an accident. And, no other insurance; apart from collision, covers repairs.
  • Comprehensive insurance will pay the market value of your vehicle, and not only the replacement value if something happens.
  • Finally, gap insurance covers any difference between the worth of your car and what you owe; in case of a serious accident.

SaveOn - High Performance Cars Insurance


High-performance vehicles, such as Lamborghini, Maserati or Lotus ride low to the ground and have high-powered engines designed to be raced, which automatically makes them more dangerous and prone to higher insurance costs. When requesting an insurance quote for high performance automobiles, it’s important to keep in mind what types of insurance that are best suited to a high-performance car. It’s advisable to insure against collision, fire and theft, as well as natural disasters—as racing comes with risks of damage to your car, you’ll be glad you’re insured in those areas. You’ll also want to be sure any insurance plan includes top-notch liability coverage.

Despite the costs of owning a relatively riskier vehicle, insuring a performance car can be affordable if you choose a plan that rewards safe driving and store your car in a safe place, such as a garage, to prevent damage and theft. Drivers of performance cars are often considered more dangerous, so being rewarded for showing safe driving will bring costs down. Many of the same tips for keeping insurance rates low on a luxury car apply here, such as limiting annual mileage driven and not including teenage drivers on the insurance.

There are many auto insurance options for luxury car, exotic car and high performance automobile owners in and around the Los Angeles area and throughout Southern California. Save-On Insurance provides protection for some of the world’s finest automobiles, such as:

  • Acura NSX
  • Aston-Martin
  • Audi R8 & Audi TT
  • Avanti
  • Bentley
  • BMW
  • Bugatti
  • Dodge Viper
  • Ferrari
  • Land Rover
  • Lamborghini
  • Lotus
  • Maserati
  • Mercedes Maybach & SLR
  • McLaren
  • Morgan Aero
  • Panoz Esperante
  • Porsche
  • Rolls Royce
  • Saleen
  • Spyder
  • Super performance GT40
  • Tesla
  • Volkswagen R32
  • Zimmer Golden Spirit
  • And, many more makes & models

Save-On Insurance also offers multiple programs to insure your high value sports cars and exotic cars; regardless of driving record or value of the vehicle. If you are looking for a luxury and exotic car insurance quote at the lowest available price on the market, then look no further. 310-474-7283

Request your free luxury and exotic car insurance quote from Save-On Insurance Services today!

And, be sure you’re not paying more than you should to protect your valuable asset.

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