Luxury Car Insurance

Insuring luxury autos, exotic sports cars & collector autos

Luxury Car Insurance

Call our Private Client Group at: (888) 343-7775

What is Luxury Car Insurance?

Luxury Car Insurance is a specialized policy designed to provide more comprehensive coverage for vehicles with higher values, advanced technology, and specialized features. These cars often come with expensive components, advanced safety systems, custom parts, and higher repair costs that standard auto insurance may not adequately cover.  Luxury Car Insurance not only covers the car itself but also takes into account its performance, high-tech features, and unique design.

Why You Need Luxury Car Insurance:

  1. Higher Value: Luxury cars, including brands like Ferrari, Lamborghini, Rolls-Royce, and Bentley, are typically worth much more than standard vehicles. As a result, repairing or replacing them in the event of an accident or theft can be significantly more expensive.

  2. Expensive Repairs: Luxury cars often require specialized parts and labor. For example, a luxury car’s engine, bodywork, or infotainment system might require repair at certified dealerships or by specialized mechanics, both of which can drive up repair costs. In many cases, luxury cars also use advanced materials that can be costly to replace.

  3. Custom Features: Luxury vehicles often include custom features like leather upholstery, special paint jobs, and unique interior designs. These features are expensive to replace, and you need insurance that covers them specifically.

  4. Enhanced Safety Features: Many luxury vehicles come equipped with cutting-edge safety technology, such as advanced collision avoidance systems, radar sensors, and other high-tech safety tools. Luxury auto insurance can ensure that these complex systems are covered.

  5. Higher Risk of Theft: Due to their high value, luxury vehicles are more likely to be targeted by thieves. Standard auto insurance may not offer sufficient protection against theft, while luxury auto insurance will provide better coverage for loss or theft.

  6. Specialized Coverage Options: Luxury car owners may want additional coverage options, such as protection for customized features, replacement costs, and guaranteed asset protection (GAP) insurance, which ensures that the car is covered in case of a total loss. Luxury insurance policies often offer flexibility in these areas.

Key Features of Luxury Car Insurance:

Luxury auto insurance is distinct in several key areas. Here are the features that set it apart from regular auto insurance:

  1. Agreed Value Coverage: Unlike standard auto insurance, which typically uses the actual cash value (ACV) to calculate a car’s worth (including depreciation), luxury auto insurance usually offers an agreed value insurance policy. This means the insurance company and the policyholder agree on a set value for the vehicle at the outset, ensuring that in the event of a total loss, the owner gets that agreed amount without deductions for depreciation.

  2. Replacement Cost Coverage: If your luxury car is damaged beyond repair or stolen, luxury auto insurance policies often cover the cost of replacing it with a new vehicle of the same make and model, or a comparable one, without depreciation.

  3. High-Limit Liability Coverage: Luxury Autos often come with high-performance engines and a potential for causing more significant damage in the event of an accident. Luxury auto insurance provides higher liability coverage limits to protect against potential legal costs and third-party damages.

  4. Comprehensive and Collision Coverage: Like any standard car insurance policy, luxury auto insurance will include both comprehensive and collision coverage, but these are more tailored to cover expensive repair and replacement costs specific to luxury vehicles.

  5. Custom Parts and Equipment Coverage: For luxury cars that have customized parts, like unique wheels, upgraded interiors, or performance modifications, luxury auto insurance provides additional protection.  Custom parts & Equipment coverage ensures customizations are fully covered in the event of an accident or damage with OEM (Original Equipment Manufacturer) parts.

  6. Roadside Assistance and Concierge Services: Many luxury auto insurance policies come with perks like 24/7 roadside assistance, concierge services for travel, and access to premium rental vehicles while your car is being repaired.

Home Insurance – Insuring High-Value Luxury Homes throughout the United States

The Private Client Group at Greene Insurance insures multi-million dollar luxury homes throughout the United Staes. If you own a luxury or high-value home, you can count on the Insurance Professionals at Greene Insurance Group.

Luxury Home Insurance
Private Client Insurance Agent – Insuring our Affluent High-Net Worth Clients throughout the United States

High-Value Home InsuranceOwn a multi-million dollar high-value home?  Very few insurance companies insure high-value luxury homes valued up to $100 million dollars.  The Private Client Group at Greene Insurance insures multi-million dollar luxury homes for our affluent and high-net worth clients throughout the United States.

Additional Private Client Insurance Products:

Package & Save with these additional policies:

Auto Insurance – We insure vehicles of all types including: passenger vehicles, SUV’s, Luxury Autos, Exotic Sports Cars, Collector Autos and more.

Personal Umbrella Insurance – Individuals, Families and Estates with high-net worth affluent clients should strongly consider  personal umbrella insurance.  Protect your assets with Excess or Umbrella liability insurance limits of up to $100 million dollars.

Recreational Vehicle Insurance (RV) – Class A Motorhomes, Watercraft or Yachts, Motorcycles, ATV’s and more.

Watercraft Insurance – We know marine insurance and if you own a ski boat or yacht, we insure it.

Fine Arts Insurance – We insure fine arts such as statues, valuable collectibles, rare arts, paintings, and much more.

Scheduled Personal Property – If you own jewelry, fine art or rare high-value collectibles, we’ll schedule and insure those items on your insurance policy.

Greene Insurance Group

Private Client Insurance at Greene Insurance Group

Since 1962, our family has been protecting families and businesses through personal insurance and business insurance products.

What is a Private Client Insurance Agency?

TThe Private Client Insurance Team specializes in working with our high-net worth affluent individuals, families or estates and celebrities, whose insurance requirements exceed the coverage offered by most insurance companies and their insurance policies.  The Private Client Group at Greene Insurance offer specialized resources and tailored coverage options to address unique circumstances and meet our client needs.

What makes Private Client Insurance different?

The Private Client Insurance Group at Greene Insurance specializes insuring multi-million dollar high-value luxury homes, luxury automobiles, collector autos, classic vehicles, exotic sports cars and more from top-rated insurance companies.  Our Private Client team insures our high-net worth and affluent clients.

With our private client insurance group, you can expect:

  • An experienced and dedicated team with extensive experience in addressing the diverse insurance needs and expectations of our Private Clients.
  • Thorough assessment of potential risks, along with customized insurance solutions to maximize coverage while reducing costs.
  • Complete confidentiality throughout the entire process.  We insure many celebrity clients and our team is professional and we protect your privacy.
  • Our Private Client Insurance Advisors work from professional office settings, not remotely or from an overseas call center.

As a Private Client Insurance Agent, the insurance professionals at Greene Insurance Group works with affluent high-net worth individuals, families or estates to provide personalized insurance solutions.  Our Private Client Team has the experience to insure luxury high-value multi-million dollar homes and estates throughout the United States.  We insure all of your vehicles to include private passenger autos, SUV’s, luxury automobiles, collector automobiles, classic automobiles, and more.  The Trusted Insurance Advisors in the Private Client Team at Greene Insurance Group focus on creating customized insurance plans that meet the unique needs of our affluent auto and home insurance clients, often offering comprehensive coverage that goes beyond most standard insurance policies.

The Private Client Group at Greene Insurance insures high-value luxury homes, luxury automobiles, exotic sports cars, collector autos and more from top-rated insurance companies who specialize insuring our affluent and high-net worth clients.

We provide best in class service to our clients

At Greene Insurance, We promise personalized and professional service. Our Team work in a professional office setting, not remotely or from a call center center abroad.  We answer our phones and return your calls and emails.  The Private Client Insurance Group at Greene Insurance is here to serve you!

Own a multi-million dollar high-value home or homes in multiple states?

Very few insurance companies insure high-value luxury homes valued over $2 million dollars.  The Private Client Group at Greene Insurance insures multi-million dollar luxury homes for our affluent and high-net worth clients throughout the United States.  We also can insure other homes or properties you own throughout the United States.  This allows you to work with one Private Client Insurance Agent, rather than multiple agencies.